High standards and ethical practices will build your reputation.Shifting your mindset to treating real estate investing as a serious business is fundamental to success.

High standards and ethical practices will build your reputation.Shifting your mindset to treating real estate investing as a serious business is fundamental to success.

As @Lucas Carl says it is important to know your enemy (competition) so that you can out perform them.

I am truly a private lender, (I have a different full time job) and have done lending with one person I know and trust, he came highly recommended.  

Like you, I also value Family, Health, and Personal Growth highly.

I just don't think because it's cheap(say lower B, and C class) outright that it means it's valuable.In a high(er) debt environment, less is more.

Types of investors who want to find hard money lenders include:Investors with high debt-to-income ratiosProperty investors who cannot get a loan from a traditional lender or bankInvestment property developers who need fast access to fundsCommercial property developers who need a bridge loan but cannot get one from a traditional bankSometimes, homeowners facing foreclosure may utilize hard money loans to avoid losing their homes.https://www.biggerpockets.com/blog/how-to-become-a-hard-mone...

I would highly recommend hiring a lawyer to understand the eviction process and to help with the Rental Agreement. 

Plus access to the small beach for the lake.HOA was pretty high and it made it tougher to make a profit plus the board was kind of volatile. 

I have heard so many stories just like this from people who have purchased from turnkey companies.The refi is one way, but you'd have to have a big rate cut to free up $450 (unless this is a high-priced property).