A cash out refi should take 2-3 weeks with most lenders, and you should have only an appraisal a credit report fee as upfront costs. 

If you are just looking to network I would go the route of meetups locally (you can check above at the toolbar, hoover over forums then to the right you have events and meetups.If you are looking to wholesale and build a list of buyers that fix and flip for deals you may have then I would pull lists from 3rd party sites like Property Radar or propstream.

. - 30 year fixed terms - Usually have a Prepayment Penalty from 1-5 years, although you can price out a 0 PPP for a higher rate or fee- Minimum Credit score is 650 usually, although you could do a lower LTV loan at 620. 

I always just explain nicely that it’s my company policy to deliver the required notice and collect the late fee as per the lease every time rent is late, no matter what, sorry no exceptions for anyone as I treat everyone equally and adhere to the lease agreement that we both signed.

Seems like you're just a marketer working on a contract basis (not that I'm defending the program or even saying it's legitimate).in CA you for sure need one of three things if your going to be doing loans for others.RE Brokers license like myself Its how I ran my HML company for years in Oakland CA. we had a 50 million dollar book.Consumer finance license.Or MLO with NMLS registrationOne of those 3 if your going to make fee's brokering loans..

Check out Norada Capital with a simple no fees structure and 12-15% annual yield depending on how much you invest.  

. $10k in debt does not seem like it is worth filing bankruptcy as you also will have the filing fees to file bk and if you use an attorney it could be another $5k, To me if you can save $10,000 a year then start saving and pay off that debt, as filing bk will hurt your credit wehere paying off these debts will improve your credit.

Because a large percentage of the charges are base fees that do not change based on use!

(Late fees would be one example.)

Although I probably get killed on transaction fees which is part of why I am not pulling the trigger (along with lack of time to execute well).There are games you can play for increasing your returns in the stock market (sector rotations, rebalancing, being a good company picker) but you lack operational control.