There is alot to read here on lending issues, you need to understand that as a lender your interest in the collateral will always be as a lender and not an owner unless your borrower gives you the deed to cancel the debtThe best place for a new lender to start, IMO, is not in making seconds as gap financing but as a transactional lender, funding closings and getting your money immediately in compliance with any usuary law that may apply. :)

I understand your excitement about taking the plunge into real estate investing.

Yes, I understand that part.

Continue to refine your understanding of the market.

My goal is to establish a well-rounded portfolio of rental properties that not only promise financial growth but also offer value and sustainability to communities.I’m particularly keen on understanding the nuances of different real estate markets, effective property management techniques, and strategies for making informed investment decisions.

As an investor it’s helpful to understand what tax structures are indexed to property ownership vs other vehicles like sales tax, corporate taxes, mineral royalties, etc.

I understand its a rental populated area, more a pass-through kind of county.

I do understand the points and interest rate will be higher with a HML but it is more important to get my first deal done and learn from that then to need the biggest return I can get.

I understand your excitement about taking the plunge into real estate investing.

They didn't understand my issue with using half a definition.. so there's a lot of brick-walling in those offices.