You will likely have trouble finding real estate listed online for that coast since it is really pre-development. 

There are several courses online, but before paying a dime it would be helpful to watch the several videos on YOUTUBE on giving prompts.

I've used an online designer before, you send her photos, measurements of the room and existing furniture, and your budget and she presents you with design options and the links to buy!

All content is available online and is not worth 10K.

The amount of ideologically inspired nonsense online is mind-boggling. 

Most are folks that have the emotional control of a 5 year old, controlling attitude, an omniscient narrative in every thread & topic, act like an online hall monitor, and constant attention seeking. 

If you want the best rate, I would find the cheapest online lender you can find where you are number 37 out of 70 for the month.

For something more robust, tools like Excel or online calculators from financial planning sites might better suit your needs.Your ROI Formula:ROI = (Net Cash Flow ÷ Total Out-of-Pocket Investment) × 100For your scenario:Net Cash Flow = Annual Rental Income - (Mortgage Payment + 401k Loan Payment + Other Expenses)Total Out-of-Pocket Investment = $40,000 cash + $50,000 loan payments over 5 years.I came across a piece in Bloomberg recently discussing creative financing, and they touched on ROI calculations for multiple loans.Personal anecdote: A buddy of mine leveraged a 401k loan for a fourplex.

Here is my system that I have shared on the forums previously:It all starts with online ads, within which are several pre-screening questions I request be answered in their response to my ad.

The FF rates in my zipcode are higher than I expected and their quality is less than what I'm bringing online!