Hard money lending is based on the deal- and you won't be able to view the property, get solid comps, present it to the lenders, and have them decide.

And I do like the idea of bucking the trend, being a little contrarian, etc.If you haven't already done so, I'd recommend attending an upcoming RI Real Estate Investors Group meeting, which meets monthly in person for members and monthly virtually for members and non-members.

If you miss the HOA payment, which is different than the transfer fee, the person on title will be notified to pay up.

I personally would start with family members and ask if they would sign a promissory note with simple interest so that you can take that loan and invest in buy/holds.

So, while I haven’t paid a dime for those, I have met some people who have - who still have nothing to show for the investment, not one I know personally.

I didn't expect to get so much great, personal advice from such a diverse group of people all over the country.

I use it for my personal portfolio as well.

Then shortly thereafter the same person called both my partner and myself and said that my Multifamily Mindset coach had called her and was trying to “squeeze into a deal we were working and was asking how much value are we actually bringing and was trying to convince her to remove people from the deal”.

You do realize the person you're being condescending to about lawyers, is a real estate lawyer. 

It's personal liability I am seeking protection from.