If you ever need insights on financing options for rental properties, including DSCR loans to scale your portfolio, I’d be happy to help.

If you have that experience, you probably don't need much marketing, as sellers will be reaching out to you directly.Focus on securing one listing at a time and building momentum.

Nothing you mention is "ordinary" and you should charge for all of it. dodged a bullet there thats a very good price take it from the security deposit and call yourself lucky. 

Also, did you have any other loans (ie student loans, primary residence mortgage, etc) when you took on the $25k? 

I would love to connect and pick your brain a little more to understand structure of these loans! 

DSCR loans are not that low and regular hard money loans will be in the double digits.

Personally, I'd cash-out refinance into a 30 or 15 year loan.

If you're confident you can find better cash-flowing deals or scale your portfolio with leverage, it could make more sense to reinvest rather than pay off the loan.

Is it possible to keep my land loan out of it to keep the total cost low?

Consider all the things that could go wrong and see if the lease addresses them: unauthorized pets or tenants, early termination, security deposit, lease violations, late rent, eviction, lawn maintenance, parking, etc.5.