If you are one of the few grads with savings that you can afford to lose, then an investment into bonds is the way to go assuming we are on a downward slope.

I have several close relationship with general contractors that are licensed, insured and bonded in Illinois and Indiana.

Some "deals" don't have the teeth I need to pull the trigger on so I will pass them on to less active (less needy) investors.

Whats the scope of work he is licensed and bonded.

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Insurance claims need licensed, bonded, and supersized insured contractors (mostly 1M GL, 1M WC, etc), not your 100k handyman GL.

A real estate attorney will confirm the proper paperwork to have to not get in a lawsuit or ding by the city.. such as permits, and having license, bonded and insured contractors which falls back on the General Contractor... whether that is you or somebody else.

The bank also requires the contractor you hire to be properly licensed, insured, and bonded.

I just kind of gritted my teeth and did it after some research.

With that being said, there is no reason you shouldn't do it IF it meets YOUR goals.If that's what you're going for I would look into a loan product called a HELOC all in one (in some countries called a bond access) .