They have high loan amounts and a very long draw period and long pay back period.

@Rajin SainiReach out to private lenders here on BPHappy to take a look at some of your dealsWhat we find to work the best is honestly not sell anyone but just tell people what you doYou fix and flip a few homes per month using private and hard money

An index fund is a better option...eventually, I'm a fan of paying them off and treating them like fixed income, but not now assuming that your financial house is in order and you like owning and managing real estate.

@Elmurat Bavlankulov - BP Events lists a good amount and as @John Warren mentioned we keep a running tally of events at the Straight Up Chicago Investor website.

Curious to what your suggestion is on that then since you don't think her paying a fair amount of rent to me is a bad thing?

They want to send me to the commercial loan department where the rates are awful, closing costs are high, and the requirements much more robust.What if I just get a second-home construction to permanent loan, wait 12-16 months for it to be built, spend another 90-120 days furnishing it, and then refinance into a traditional 30 year fixed as an investment property?

Are you looking to dive into the world of fixing and flipping houses but find yourself stuck on securing funding?

my biggest fear is not having enough reserve for a big unexpected item that comes up then I won't be able to pay back a loan or get the property fixed the way I want it to.

I finished a large rehab yesterday that had more go wrong than any of my previous rehabs (we have a fair amount of experience) but still only went 10 days over our aggressive schedule.  

Always increase your vacancy rate and capex amounts when you're buying property with tenants in place.