I am married but my husband is clearly not interested, or never thinks it's the right time, (market, elections, not enough time etc), honestly I think he's just afraid.

There's only so much to learn from reading and in this real-estate climate, it would be really helpful for someone who has made some recent investments to afford me 15 minutes of their time. 15 minutes to chat about their journey, challenges, successes, and any lessons learned.Make no mistake.

There are "rules of thumb" to operate by, but they are general guides that change with time and definitely change with markets. 

You either spend the time categorizing your revenue and expenditures as you go (easier) or at the end of the year (harder IMO).

You have 4 kids, and it seems like with your income you have a steady high-paying full-time job, correct?

Call the cops the minute someone breaks in, then they won't have time to establish themselves.

I'm thinking of the expression "whatever works is what works for you" so I'm curious if maybe you should flip this problem upside down and start by thinking things like•What do I want my life to look like in 5-10 years?

When you hire people to work in your business you are buying their skills and time.2.

I'd love to set up a time to chat more. 

Is to close both loans at the same time, usually the Hard Money lender will want the PML 2nd lien lender to sign a subordination agreement to make sure that they are in 2nd position, because Texas is a 1st to file state, you could run into a situation where your 2nd lien goes to the courthouse 1st, and files 1st.2.