Hard money has a few different caveats as I recently found out (the “hard” way, pun intended) I understood completely about the upfront points of 2-4% and the high rates of 10-12% but recently got involved with a HM lender that required I come up with the entire rehab budget as a “holdback” and these funds needed to be provided at closing.

@Mike CachatNot sure if I quite understood the goal of your question, but you can use your free cashflow for whatever purposes within the business you wish.  

Thanks Kyle, understood, just looking to leave some info with them after any discussions.Thanks!

Understood.

It will take time, and it’s not for everyone.My wife is not involved in any of the portfolio (175 doors), but she understood how much I wanted to do this for our family.

Historically, a lease was understood to be a contract for the hiring of property for a specified term subject to certain agreed upon conditions between the landlord and the tenant. 

It needs to be understood that title insurance is based on risk avoidance, not risk assumption. 

What are the best ways to leverage these homes for cash now, while avoiding tax.  1031 continual upgrading an tax deference until passing to my children is well understood for generational wealth, and waiting for the properties to get paid off for retirement cash flow is also great, but neither assist in leveraging equity cash which is just sitting there. 

Which is understood due to the situation.

People with net worths measured in the millions of dollars never blinked when my rate was a bit higher when I was a mortgage banker, they understood that the cashflow on a property that doesn't close b/c the mortgage got botched is precisely zero dollars and zero cents, IRR 0.000%, cap rate 0.000%, annual appreciation and equity gains 0.000%, and so on.