hard money is typically: some amount down + points to get the loan + interest to service itso if purchase price is $325K, you might be able to get 10-15% down from your own cash + the HML for the restit's not clear from your post what is going where

Make sure it explicitly explains the process for termination if you are unhappy with their services, especially if they violate the terms of your agreement.3.

Hey Ethan, first off, thanks for your service!

If the agent is doing the marketing, finding the potential buyers and possibly working with other agents to help you secure a deal then I would still charge 2.5% for my listing services and 2.5% to any buyer's agent. 

I ran a new electrical service up to the apartment and replaced all plumbing.  

Based on my research, this PM company is highly reputable and provides excellent service.

My 2 cents: You're young, you could get a real estate or real estate adjacent 9-5 so you can get paid to to learn more about real estate while learning and building the side hustle outside of business hours.Seems like you live in a major US market so that's a plus, you could get a tenant services coordinator job in commercial real estate making $40-60k (not sure if that's more or less than what you are making now) It's an Entry level role, anyone with a degree and a polished resume and a passion for real estate should have a decent shot at landing a job like this.

Has anyone used Ryland Services for Property maintenance?

Both cater to businesses with high transaction volumes and often customize services for clients who need frequent wires and robust credit options.Ultimately, your choice might depend on the frequency of foreign wires versus domestic ones and how much value you place on credit card perks.

What seems to be your case - request a capital call to cover debt service for the next year "hoping" rates go down.