I would like to start investing soon, but my full time is brokering for Hard/Private money loans.

The old loan is paid off for $200KE.

If I rent it, it won't cash flow more than 2%, which is sort of ok as my goals is creating a portfolio of additional income for retirement (12 years from now)  If I sell it I will likley lose a little money ($5-$10k) I Used a VA loan to purchase zero down and will be living in it for 24 months while I do the rehab.purchase price $330K, rehab $15k, Estimated ARV is $370k.  

An attorney for a final peek is always a great idea just to ensure you are covered. 

I was able to do a DSCR loan and re-coop my entire investment.

I have never been asked for this is 40 plus years of doing private loans..

CONTEXT-(30k in credit card debt, split between 4 cards, mostly in charged off status)(one vehicle loan that was charged off, is now caught up to current, not paid off, 50k original loan amount)(some card companies are contacting me trying to make a deal, so likely only have to pay 20k of debt off.

We current have about $500k in equity (down payment and loan pay down).

### Final ThoughtYou’ve got the knowledge and the drive – now it’s just about taking that first step.

How do I protect my investment as the loan amount is more than the replacement cost of the property?