I would probably need a hard money loan, not sure what carrying costs would look like.

Do all these requirements carry over to CFD origination?

I doubt they carry the appropriate insurance.There may be more reasons, but that should be enough.

But these would also include that you carry all risk and they are tough to qualify for. 3.

Most HELOC's are based off prime and these are consumer based products (rate determined by margin which is fixed + prime).However the commercial departments in many of these banks or credit unions offer fixed lines on their commercial interest only products that can be based off different indexes like CMT (contact maturity treasury), SOFR (secured overnight financing rate), or other indexes that are less volatile than the prime which is directly linked to the fed funds rate + 3.00%.This is why the fed funds is at .50% right now and our prime is currently 3.50%.Just make sure to pick a product and index that works with your overall strategy because in between deals you'll be carrying the "equity," you used to buy a property on this line most likely.

Does Cash invested include carrying costst?

I carry my phone with me at all times, and approve all requests within a few minutes if I can.  

Utilizing the same approach can can assist with for-sale housing as well where you can decrease DOM and move your inventory quicker, thus saving on carrying costs.

In my opinion, since the breach of the entire SSN database, those methods no longer carry value.

This will put you into your 50s.If you feel it will be a slow transition and you plane to concurrently carry your current source of income, that will eliminate you free time and add stress to the family dynamics and your health.In the next several years, the most crucial child development years in my opinion, you will not be there for your kids ...