A simpler alternative would be a t bill or short term Treasury fund, such as SNSXX if you want the same liquidity as a high-yield savings account.

If you are liquid enough and you prioritize cash flow, option 2 may make sense.

Hey, I have $80K-$90K liquid money Interested in investing in real estateI have experience of 2 years of wholesalingMy goals are to increase capital + accumulate properties.

If they are not interested or don't have experience in managing rentals then may want to reconsider something more passive and liquid.   

I simply shook my head.Unfortunately social media has made it easy for these bad actors to get in front of their target clientele and it's normally the  clients who have no liquidity, poor credit and very low chances for success to begin with in this business and put these courses/mentorship on their credit cards who fall even further behind. 

Those type of buyers are trying to beat the bank for yield they can get there.I typically ask what a potential clients goals are with their current income from a job or business, age, family info, how much passive income they want to eventually achieve annually, current net worth, and liquidity levels.

And the trustee could see that the chapter 11 was not sincere so they basically took everything and are liquidating the assets through auctions.  

Better to do it yourself or find a funding partner you can give you liquid cash.  

I am debating liquidating a portion of my brokerage to pay down these properties to reduce risk.- Would you refi now or wait until rates drop? 

Sounds like the rate you got by buying down a point would also be in line with what we offer as long as credit and the appropriate amount of liquidity are there.