Probably collecting social security at 62, maybe 63.I have a rental property that is almost paid off (less than 10k away.)FMV: 280.  

You ignore the DNC at your peril, once I got 2 demand letters in the same month I paid them and decided to take it seriously.

I currently have two triplexes near Marywood University so majority of my tenants have been students. 

I would call them and find out if they think you have a reasonable chance of being approved.

I think that a new partner a very large real estate development co. that the company now has a relationship wanted it there where his company is also .We have very different definitions of a Hard Money Loan. 

@Jose Solis you just need a loan for the land? 

At least an LTR tenant needs a place to live and a good reference. 

Many new investors claim to have analysis paralysis, but that's usually an excuse for either a lack of confidence (you need more meetups and more authentic relationships with other real estate investors) or shiny object syndrome (you want to house hack, but you like apartments, but also flipping, and what about storage).

A lot of new investors use FHA loans, which are 3.5% down.

So now instead of feeding the hungry stock market you can feed the hungry rental.I have watched people keep big debt on their home and then have the stock market crash.