The way I've traditionally used them (i.e., simply transferring from AmEx to Delta SkyMiles), they're only worth 1%...well maybe a bit over 1.15% because I also have a personal Delta AmEx which makes mileage tickets come at a 15% discount. 

I was actually just thinking about this the other day.

Your replies would mean the world!

What are the tenant's leases now and when are they up?

Understand the basics of private lendingResearch real estate marketsDetermine your investment strategy and criteria for loans, including:- Amounts- Interest rates- Repayment termsCreate legal documents with a lawyerNetwork with real estate professionalsPerform due diligence on potential borrowers and their projectsBegin with smaller loans to gain experienceMonitor your investments closelyConsider joining a private lending group for additional resourcesStay informed about real estate trends, lending practices, and legal regulations

This will be the first time I’ve used them.

The cost of the furniture is tough up front-- you can rent furniture or go through FB marketplace.

Most likely yes.)As a buyer I might say something like these 4 major items add up to $3,500.

I think you're on the right track with Lowell - that's consistently been one of the most affordable markets in the greater Boston area when you consider price to rent metrics.

I'm doing flips and new construction at the moment.