I'm also in the process of exploring Terra Notes, but may just stick with Notion, Pipedrive, and Excel.I previously worked at a fund and Excel was used to globally track a decent portfolio (about $100m), to include limited depth loan pacing and management.

A) The $40K cash on hand was not including my emergency fund and merely represented what I wanted to stick to as a low ~10% DP or to be used for a small refresh/reno. 

.- the difference in rate of return for appreciation of a 80% LTV vs 50% LTV is 2.5x.  

The funds are insured, and you can withdraw them at any time.Real estate investing works the same way—the riskier the deal, the higher your expected return should be.Final Thought:Before making any decisions, get flood insurance quotes first.

That does not require employment or job seasoning instead it uses the rents to qualify and you can take out up to 80% LTV cash.Use the cash to put down on the next 1-2 or more properties as long as the other properties are debt servicing themselves it opens up more opportuities to buy more future assets and increase your passice income.  

We'll only do it if we can access the funds immediately. 

I lost a fund that was going to build 25 of these they decided on Austin Texas. land is cheap in ohio. there's 5 plots of land right now for 40k or 50k and we build houses 10x land cost or 10% land cost of after built value. don't do existing it's not worth it.

I don't want to only be an investor, I'd much rather be a GP and lead syndicates, raise funds, all the things I've been doing already with my recruiting agency.

I am hoping to pull from a HELOC soon with funds up to approx 125K available to me through that.

Equity Created: $550,000 ARV - $409,000 loan balance = $141,000 in equity.Cash Flow: The property rents for $2,950/month, covering all expenses and generating slight positive cash flow.HELOC Potential: Post-refi, I can secure a HELOC up to $86,000 (90% LTV) to fund future investments.