Hard Money Loans are generally speaking institutional money so they make the rules and you either like it and take it, or move on to another lender.

Prioritize your financial stability.

Whenever I am having an issue with financing, I normally reach out to local institutions.

@Zach Denny - I agree - chances are the institutional lender won't be comfortable with an owner-financed 2nd and 100% combined loan to value.

🙌 I love your focus on helping others achieve financial freedom through real estate – that's what it's all about!

A good real estate accountant can save them thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend that they find a tax accountant who specializes in real estate taxation, business taxation, financial planning and tax planning.I would also recommend that they look for a accountant willing to work with them throughout the year, who can help them strategize and who is responsive when they want to know the consequences of the financial decisions they are making throughout the year.Good luck.

I was working as a financial advisor for Merrill Lynch.

It's exciting to see your focus on building a real estate portfolio for financial freedom!

Prioritize your financial stability.

Look up the courses taught by Justin Kivel, specifically the Pro forma modeling course and the real estate financial modeling boot camp.