AFRs change monthly and can be found here:https://apps.irs.gov/app/picklist/list/federalRates.htmlYou need Table 1 from the monthly Revenue Ruling.Currently, the rates are around 1% or below, depending on the term and size of the loan.

If we did the 20% down payment loan each of us would need to come to the table with 27,500 each and since we have been remodeling that would basically take out all of our cash on hand, so the HELOC on the 1st house would be so we can finish the remodel and finance the down payment. 

(Definitely not 4-digit-$$)Need your honest thoughts and inputs on this :)  You will need to bring more to the table for this to be a service that investors find valuable. 

If yes, then both options can be on the table and will give you more options to choose from in the market.

While you may be able to find a satisfactory lease that you can simply download from a website, you will be "leaving money on the table" by not having your lease well crafted.

I find that if you are able to help people within your network navigate the complexities of private money, they will be less apprehensive and less likely to ditch you at the funding table because they get skittish.

Most FSBOs leave money on the table for what they could have sold for.

Put your cards on the table after the initial review rather than tie up and waste an investor's time. 

The water table is the water table.

The inefficiencies in this market should be a huge opportunity for folks who take the time to find and vet operators and projects, and come to the table with clear theses, looking for operators and projects that match those theses, rather than reacting with FOMO to promises from the most famous influencers in the industry.I think it is mission-critical that BiggerPockets and this community shines a light on the industry and exposes the good and bad operators, and steers LP capital away from "lopsided bets" and towards humble, honest, hungry, capital raisers offering solid projects in areas they have clear competency in.