I would like to start investing soon, but my full time is brokering for Hard/Private money loans.

The old loan is paid off for $200KE.

Todays interest rate environment it is not a bad idea because it will be challenging to get returns that meet your interest rate you are payingIf your loan is 2-3% I would out the money in an account earning 4-5% compared to paying down a 3% mortgage - but I also get the stress relief of having a low mortgage and lots of equity

If I rent it, it won't cash flow more than 2%, which is sort of ok as my goals is creating a portfolio of additional income for retirement (12 years from now)  If I sell it I will likley lose a little money ($5-$10k) I Used a VA loan to purchase zero down and will be living in it for 24 months while I do the rehab.purchase price $330K, rehab $15k, Estimated ARV is $370k.  

Commercial loans and insurance anyway. 

About me - According to Stessa, my wife and I currently have a real estate investment portfolio valued at $*,***,*** leveraged at $*,***,*** debt (I’m pretty sure Fannie/Freddie will stop loaning to us pretty soon!)

I was able to do a DSCR loan and re-coop my entire investment.

I have never been asked for this is 40 plus years of doing private loans..

CONTEXT-(30k in credit card debt, split between 4 cards, mostly in charged off status)(one vehicle loan that was charged off, is now caught up to current, not paid off, 50k original loan amount)(some card companies are contacting me trying to make a deal, so likely only have to pay 20k of debt off.

Boston and the immediate surrounds are still the employment capital of the region and people are enduring longer and longer commutes for the opportunity to work in the colleges, hospitals, pharma companies and financial district of Boston / Cambridge.I wonder if there's a practical limit.