and no one advertises they do 500 mil dollar loans.. so you now know that all of those guys are frauds .. and that there is no 5% money.if you want to find out current rates for Private/HMLI like to recommend Lendinghomes website it has a easily readable pricing matrix.. and of course they are real. while you may find some cheaper money.. from say Conventus .. you also need a lot of skin in the game and you need experience.. 

The great news is that either option is a win, but I'm curious to see what Bigger Pocket members think is the bigger win.

Well...the Dayton Dragons baseball team has the most consistent sold out games of any sporting team in North America (startling fact), Warped Wing opened a second location, and a half dozen other breweries are now open in the city...Boston Stoker coffee is totally awesome and has several new locations (this is important because it's a key indicator for the successful revitalization of many cities...beer-food-coffee is key)...there is a river front development that is reminiscent of Columbus (which was awarded best on the country), there is big inner-city revitalization...I saw a developer by the name of Simms pre-sell 24 $500k "Brownstone" townhouses in the center of downtown (unheard of in Dayton)...there are 30 renovation projects going on downtown...and they now have a full time staff on the streets to keep the city clean...the population is on the increase for the first time since 1964....I mean this is pretty superficial, but it's every bit as important as economic indicators...there is a lot more to this...There are still "war zones" in abundance in Dayton and it's the Opiate Overdose capital of the USA...but getting better rapidly...just proceed with caution if you elect to invest there...a local subject matter expert is a must!

@Kevin Connelly Welcome to Bigger Pockets!

My First post on Bigger Pockets :)In the Philadelphia Market I am seeing flips AND fix & rental popping up all over town.

So not only can you put more cash in your pocket getting rid of flood insurance, you can also eliminate a big risk of uncertainty of what happens with that insurance down the road.

I don‘t have too many specifics yet, but wondering what the Bigger Pockets Community thought about this?

You can probably find this on bigger pockets podcasts and just by looking around the site.

Bigger Pockets is a great place to do that. 

Should I have multiple speakers, give aways, real estate games, aaaaaaahhhhh!