Also, could you add the pros and cons of using a strategy like this?

@Mary Eubanks, perhaps ask yourself the question "Is it a cash offer when you are using a hard money LOAN?"

I used to be able to be quick, but in the current labor market my last few times acting as GC I question if due to my increased timeline if I would have been better served using a GC. 

Tenants actually save money when using a shared meter, so there's plenty of room for error when calculating how to distribute the charges.

It grows slower than a brokerage account, but during disbursement phase you get much more out of it.I am not advocating putting all your eggs in the same basket, but using a permanent maximum overfunded life insurance in your portfolio mix is an excellent diversification.

@Richard HowellWhen lending on a primary residence make sure you follow all the CFPB laws such as using a licensed loan servicer, sending compliant monthly statements, collecting escrow and doing escrow analysis as well as sending 1099’s at end of yearLending more than a property is worth you can do but I would advise against it as you are putting your retirment funds at risk

Tenants actually save money when using a shared meter, so there's plenty of room for error when calculating how to distribute the charges.

So, over the past year I’ve been using a proprietary software that allows me to collect data of commercial property owner: Name, cell and home phone number, email address, home address.

Are you planning on using a lot of loans in the near future? 

Once you're sure there's no set screw, try using a large pipe wrench to unscrew it.