Export and sort by "whales" first meaning the duplicate buyers are the handful you'll do the most deals with.I then send a handwritten letter to the whales and a postcard to the rest in two separate mailings.

-------------I think it's important I make something clear I didn't say in my original post.My goal isn't just to have a comfortable living the rest of my life.

We plan to use the cottage a few weeks a year and rent it out the rest of the year.

(moreso as a risk to them not to your equipment) and utilize the rest of the space.Being an older property, it is likely VERY inefficient as far as utilities go, particularly water.

I would switch out the vanity because it doesn't go with the rest of the room, paint, and put up the shower curtains and other decorating items.

Much of this money is retirement money for the true private lenders, so rest assured they will be very very careful of who they lend their money too, and the safety of the deal for them....and it will have to pay them more than they could get with safer alternative investments.Maybe you can reduce some of those costs if your first duplex is paid off and you're willing to use that as collateral.Can you borrow today against the duplex?

I realized I did not want to work a 9-5 for the rest of my life and miss the opportunity to watch her grow.

I also know other people that can handle the rest of your project.

So let's hear from all the rest of you on this.

Another option is to look at a DSCR loan, interest rates are higher and a credit score >690 is important, but if the 20-25% down payment you put calculates to a cash flow positive situation, you can get the rest of the money as a loan and after 6 months, apply for a refinance if interest rates are better.