I would love to connect with anyone willing to share some prospective on: 1) The MFH market in Charlotte (including the surrounding area)2) Where to source the best deals3) Common pitfalls to watch out for4) Agents and brokers who specialize in sourcing deals for investors5) Anything anyone else one would find helpful when investing in CharlotteThanks!

Do you have multiple sources to get off market properties?

There are a few that I would highlight: the "Real Estate Rookie" and the "BiggerPockets Real Estate" Podcasts, "Set for Life" by Scott Trench, and "How to Invest in Real Estate" by Joshua Dorkin and Brandon Turner.There are obviously hundreds of more sources that I could recommend, but these are a couple of great ways to get your toes wet, diving in further where you see fit.  

You'll still likely be looking at other sources of funding in addition to your policy loan.

If you have time, source your leads your self; drive the area you invest in and look for distressed homes, door knock on the foreclosure list, use door hangers when you see a home you really want.

I am currently working on a HELOC for my primary residence to have a cash source for continued REI.

This deal was sourced through New Western Acquisitions and was purchased on a first come first serve basis.

We've grown our portfolio up to 22 units and have a mix of tenant payment methods: manual cheques (fun), e-transfers, bank counter deposits and some have done PADs at their local branch.Our challenge has become with the PADs, we don't see any information about the source account owner - our statements just show TransferXYZ to Account ABC or similar vague transaction information.We have about ten units that all pay the same amount and thankfully only a few are on PADs but if we have one that is late - we never know who it may be until we do the dial-around.Is there another solution out there we should be directing these tenants to be using?

You might want to find a different source other than a realtor.

(If this seems negative--please don't take it that way--I'm rooting for you to get the house!)