Your LTC leverage is also very similar to a bank construction loan but between origination fees and interest charges you will incur  ~$20,000 more in finance charges during the life of this renovation project.

The government is trying to protect people who managed to run their life well enough to buy multi-million dollar homes?

Since then I have focused on finding good deals and getting great financing to get stellar cash on cash returns.I have clearly written out levels of of my dream life I want to achieve.

Keep up the hustle, good things never come easy in life. 

Life’s too short.2. you’re making a 5 percent return on total equity now, and surely much more on a return on investment basis.

Your life style has lead you to this situation and you must change your lifestyle in order to be successful with real estate. 

The human race has historically been poor at predicting future, so it's wise to prepare for multiple scenarios.Mortgage rates in 2025 may decrease slightly if inflation stabilizes and the Federal Reserve eases rates, though they are unlikely to return to pre-pandemic lows.

Check out the Life Planner by Lucky Life Tools.  

It will not be sexy, but it can change your life (I've house hacked twice and it's certainly changed mine). 

If I have to use every dollar I have access to and drain my life savings dry, so be it.