Quote from @Colby Burns: Long time reader and first time poster.

At the time, PPR was selling courses for investing in distressed 2nd mortgages.

Curious why any tax pro would argue with that.If filing state tax returns did not take any time or money, then there is no harm in filing them.

and trailer stolen, workshop robbed 3 times, business bank account hacked and Not Insured (w a bank name like C#@$e), hip replacement, Botched oral surgery for sinus cyst 3 times, So Far, that caused an infection that kept me from working most of 2024 and just now recovering.SO Fire Sale February for me But I’m too broke to finish a punchlist to keep rental certificate open on top of living expenses and cover unexpected bills.Seeking micro bridge loan in the $5-10k range to be repaid at sale of house.I have another small single family paid off and rents for $950 as well.Any advice or suggestions for resources Greatly Appreciated 

You'll always have the luddite stragglers but it's the response time that matters, not the avenue. 

I have full time job but can help where I can. 

You could form an LLC and have the operating agreement that allows your boss to require you to purchase his membership interest (or allow you to purchase his) in a given time frame.

Interest always paid on time, and principal was returned with bonus right on schedule.

If so- what would you rate your work effort (not afraid of work), and the time to close a first deal?

Don't forget to annually mark time for vacation or family time.You might consider hiring a teenager part time if there's something that is time consuming (for me, putting out 20 open house signs then picking them up).Best to you!