I'm gonna have to start calling ya "Money-Bags Collin". 

However, that was a fluke.Warranty companies are in the business of making money.

Ensure lender approval before bringing the mortgage current, and use escrow or a lien to protect your money.

Also DSCR typically has pre payment penalty while hard money does not. 

Plus, that is the cheapest that money will ever be for you.  2.65% interest rate? 

We made some big changes coming to Movement Mortgage early this year and we are incredibly grateful to be thriving and loving it here at Movement.

Beyond real estate investing, BiggerPockets Money has great episodes on how to avoid the middle class trap with your investments - ie how to structure your investment best so that they're not all locked up in accounts with penalties until you're 65. 

I know you don't have money for a downpayment yet, but when you do, rent out rooms or buy a duplex or triplex and live in one side and rent out the others.  

You think working harder equals making more money.

Hey @Erika Andersen I totally hear you in wanting to save some money and taking on the task yourself.