That being said the lending value of the home will change.  

I am currently building a realestate invesment team in Boston MA looking for an investor with high capital because I have a financial institution that is offering Us 5X the cash that we can come raise as a line.of credit for fix and flip buy and hold and Land and new construction.

My questions are:  1) if CI and friends are so "excited to lend you money" why is it so hard to borrow with good credit +cash without the lender spending all of yours? 

I am trying to plan my next purchase, but what is most holding me back, is that i am on commission, and cannot qualify for much as my 2 year mark (when commission is lend-able on) is not until OCT. 2019.

Due to the increased costs associated with the property, we are instituting a X% rent increase, effective 1 March 2019."

Coming up on my 60 birthday, so I would like to explore more passive investment options including (1) Hard Money Lending, (2) Private Money Lending, (3) Buying and Selling Notes, (4) Syndication or even, (5) Tax Lien Certificates. 

If you can find private lenders who have some money and will lend it for around 7-10% interest with no points, that makes sense to use up front (and then later refinance with a bank).

PM me if you’d like me to share the name of the institution that I’m in the process of using. 

You will probably need to ask in the Arizona forum (if that's where your properties are) for more suggestions on this type of a lending product.Good luck!

City state job growthCity state net migrationCity state job diversityhttp://www.best-cities.org/ - Milken Institute http://www.bestplaces.net – Sperling’s reports     Also check out where people are moving to and from by using the following:North American Moving Services: https://www.northamerican.com/migration-mapUnited Van Lines: https://www.unitedvanlines.com/contact-united/news/U-Haul: http://myuhaulstory.com/ and https://www.uhaul.com/About/Once you find a state or states then you can use some of these to drill down into MSA (Metropolitan Statistical Area)http://www.census.gov/topics/population/population-projections/about.html - Population ProjectionsLocal Area Unemployment Stats By State: https://www.bls.gov/lau/ Seasonally Adjusted Metropolitan Area Estimates: https://www.bls.gov/lau/metrossa.htmI hope I didn't overwhelm you and Hope that helps.