First line of the description, in capital letters, "TEXT ONLY TO [PhoneNumber] FOR INQUIRIES". 2.

Sometimes a personal guarantee is stronger than being in 2nd position, but of course, the safest for the lender would be to have both.Thanks for the description for how you do private lenders!

Met a couple of folks but most seem to concentrate in Baltimore (even though it's a NOVA REIA).

I met a lot of folks that I have regularly connected with online in this and other forums and got to reconnect with a few of the folks that I have gone through note workshops with too!

@Tom NguyenPossibly "not comfortable" is not an accurate description of what your CPA said.

Your ROI is way higher than 5% if you include these things.ROE includes these things but is based on the amount of equity in the property (instead of how much you have invested)Based on your description of your situation, I would look at your return on equity (ROE), which basically tells you what the equity sitting in the house is earning (make sure to include all 4 aspects I mentioned (appreciation, amortization, depreciation, cash flow).If your ROE is less than your debt rate, the book answer is to pull equity out to pay off the debt. 

In the description a few state REO-occupied.

@Svend W. can you be more descriptive about what you are trying to do.  

Just met a roofer this morning.

Also make sure your listing has a good online presence - nice photos, an attractive description, etc..