Hey everyone,
I’m almost 30 years old and paralyzed from the neck down, living in New Hampshire. I rely on personal care assistants (PCAs) for daily help, which are fortunately covered by government benefits. However...

California's housing prices are too high for our budget, and I'm at a loss.I'm seeking your advice on alternative ways to use these funds for good.

Congrats on pursuing agency and seeking working with the investor crowd!

As an example, although we are “hard money” lenders we seek lower rate long term financing for our real property investments.  

Readers should seek professional advice.

That said, if you’re experiencing difficulties reaching them, it’s wise to pause and seek clarification until you feel comfortable.

When I build the passive income I want, I will seek opportunities to present to groups on topics which are dear to me ... credit literacy, financial literacy, etc.

.• No entity to close in: Though an LLC/entity is not a must-have, it's a nice-to-have prior to seeking financing.

Borrower Types: The Professional - HM Lender will cut sweet-heart deals to keep these borrowers around Experienced real estate investors Regularly engage in property transactions Typically have a track record of successful projects The Newbie - Charge Higher everything as the risk is higher as no experience Novice investors or first-time borrowers Limited experience in real estate Seeking to build their investment portfolio The Deadbeat - Only lend if the deal is so SWEET, they can't lose if they take the property from the Borrower Borrowers with poor credit history or financial difficulties High-risk borrowers May struggle to secure traditional financingThe lender will do an application on the deal/borrower and some standard docs they require are:Hard Money Application / ExperiencePurchase contractARV report – COMPS – See * Redfin*Pictures of Property – most people use Dropbox to shareProof of Funds – Down / Reserves (Bank Statements)Personal identification (ID or passport)But usually if the deal is sweet enough, they will do it anyway because if the deal goes south, there is so much equity/value in the property that the HM lender can't lose.

By uniting our voices, we can strengthen our case and seek justice for the challenges we have faced.If you are interested in discussing this matter further or if you are aware of any attorneys who may be willing to take on this case, please do not hesitate to reach out.