Thanks - will likely have to be an exception but definitely possible since the story "makes sense" from a lender's risk perspective

It's a detailed perspective on how private lending works, with practical strategies for building wealth through this niche.

I understand it will take more than a message to penetrate the core of your being however i hope you can start to see this situation from a different perspective.

Hey Jake thanks for the feedback and providing a valuable perspective when consdiering this opportunity. 

Interesting perspective, Dan!

PM me if you'd like some free advice and perspective! 

There are a number of meetups in Sacramento and we have been coordinating the dates among hosts so that there is no overlap - I run the West Sacramento Meetup that @Ben Howard mentioned (we gather every 4th Tuesday of the month).Here is a list of meetups that we're in collaboration with (they are all based on an abundance mindset that we have here on BP)- 1st Tuesday - REI Connect @ Roseville Meetup (reach out to @Nicole Masters)- 3rd Tuesday - Investor Mixer @ Crawdads on the River- 3rd Thursday - Folsom Out of Bounds (dates may shift a bit)- 3rd or 4th Wednesday - Real Estate Round Table (CH Cafe & Grill) - they recently relaunched and stabilizing the schedule- 4th Tuesday - West Sacramento Real Estate MeetupI'm working on putting together an easy to access list that Sacramento investors can refer to.

Ben,First from a Bankers point of view you are over extended from an LOC perspective and its hurting your DTI and future approvals. 

Conversely, if one side of the house sits on unconsolidated fill or on silt, it would settle or shift over time - once again, causing cracking.

Hi @Catherine Javier,Your options each have pros and cons, but let’s break them down strategically:Renovate and Shift to MTR/STR: This could maximize cash flow ($2,400+ for MTR) and offset the costs of renovations.