Though I would caution you on hard money lending until you understand the industry a bit better, that can be very rewarding but you have to be able to do your due diligence on deals because you're turning over your hard-earned money to an individuals project, often a flip. 

I also completely understand the frustration of navigating through "Joker brokers" and fake lenders who promise more than they can deliver—one of the biggest challenges in the industry today.Regarding your approach to accrual-based repayment options, that’s a huge help for flippers managing tight cash flow, and it's great that you offer that flexibility.

That’s funny to me they compare a home that’s taking on rain from the outside inside, basements full of water all the windows broken, everything is wet and has to be re paired.

In the end my portfolio is very small compared to most, so focusing on this strategy has worked for me, but might not work for everyone.

You're very under leveraged compared to most investors trying to scale.

The article is off because it is comparing two different types of buyers.  

Hi BP community - I'm an investor with 3 SFHs in the Nashville area looking to acquire my first small multifamily property (2-4 units).I'm trying to determine the best approach for the 25% downpayment, comparing using cash that is currently sitting in a high yield savings account to funds from a HELOC on one of my properties.

So right now our main goal is the cash flow because in the end that is the way we will be able to move up in the real estate industry. 

When I say i've never had this issue, I mean- Even in the D class neighborhoods i've owned properties in, i've never dealt with vacant apartments for this amount of time.If you're comparing the 40 unit building next door to mine with security, it's sort of like comparing apples to oranges.

There's a good chance it may not even appraise for what the seller is asking if the seller really is asking for that much more compared to others just for furniture.