Either would be a great option; I'd probably choose Roseville because it's more established, but the City of Elk Grove deserves a lot of credit for its impactful growth programs, so it wouldn't be a bad option. 

Was the brownfield credits distributed in year 4?

That affects your credit for instance.A better way to look at it is voluntarily making the mortgage payment for someone.

So I get this referral from a relative about a tenant who has good credit score, no criminal history, and a good paying job.

The tenant pays a monthly premium and keeps an active bank account and credit card on file.

Hey Tyler, depending on your credit, the max LTV for the cash out will be 75-80%.

When I checked it out the fund he spoke of was making unsecured working capital loans to businesses with no credit.  

@Angelo LlamasAt the bare minimum, you should do the following to make your bookkeeping easier:- Dedicate one checking account and credit card exclusively to real estate.

My lowest ROI to date has been only 77%.I have multiple exit strategies, usually with buyers in mind.

Open a corporation and start building business credit.2.Leverage Credit to Multiply Capital: With strong business credit, you can secure $50K to $250K in funding through business credit cards and lines of credit.