So, I got 9 new investors into their first ever loan last year and the two caveats I have are credit and capital. 

We definitely had some growing pains at first, but once we got decent tenants in place, we now have very few issues.

But, If I would to ever take on negative cashflow, I would make sure my other properties cashflow pays for that new propertys negative cashflow, not me.

The second is a growing desire to manage risk through owning better-quality assets where unexpected capital expenses are less likely.

If your area has public services that traditionally are in a position to put a lien on a property, then it seems to me that this due diligence should have been performed.On the other hand, if it's some private water company with no real public ties whatsoever and nobody ever searched their records for bits and pieces, then I could be dead off here.I'm also not saying you should spend you all your capital on litigation.

If that $100k investment threshold is something you've come across before, and see it in your future then I would look at starter-ish price homes in a growing areas and buy one slightly distressed one and add some work to it, plus keep rest for reserves.

I've been told that Mountain West Credit Union will provide it...but nobody there has ever called me back - ever.  

If your portfolio grows, you can then hire a PMC.

Looking to reuse my cash to grow the portfolio more quickly any tips?

It's a great time to be in development, not necessarily AirBnB in CA due to the ever-increasing restrictions and fire hazard severity zones - but that's still something great to have experience with.