Time makes everyone in real estate look like a genius.

Here are some financing options to consider:HELOC or Cash-Out Refi on Another Property – If you or your mom have equity elsewhere, this could be a more flexible and lower-interest option.Business Line of Credit – Since the property is in an LLC, you might qualify for a business LOC, which could cover construction costs.Private Money Lender – If you’re okay with 12-15% rates, a private lender could fund this as a short-term loan, especially if the guesthouse will generate strong income.Construction Loan – Some lenders offer short-term construction financing, which converts to a longer-term mortgage once completed.Seller/Partner Financing – Bringing in an investor or structuring a joint venture with someone willing to fund the build in exchange for a share of the income.Credit Card Stacking or Unsecured Business Loans – Riskier but could work if you need to bridge a gap until the unit starts cash flowing.Would love to hear more details—especially your timeline and expected rental income.

That really set my business back.My suggestion is to use an agency short term, but try to always have a VA you're managing on your own.

They have already called a real estate agent to list on the MLS and when the agent comes over to take the listing, they tell the prospective seller that the dog poop in the living room has got to go.The rot in the bathroom behind the toilet needs to be fixed.

I’m here to connect with like-minded individuals, gain insights from others, and contribute value wherever I can in the real estate field.

I have some exposure to real estate investing as I work as a commercial lender.

But we dont go down the chain to see if the roofer is paying his shingles bill though /  Having Subs you can trust is paramount in this business.. cheap is not always what you waant you want subs that are making money and pay their bills and have credit..

I normally advise that people start a business as a sole propeitor in their first year.If it is successful and something you want to continue, then have a conversation regarding entities.

Maybe I could leverage my other business but I don’t know the requirements for that as we do have outstanding loans already 

If they aren't doing much business/volume, they will send you a nice looking term sheet, and you will go through hell trying to get the loan closed.