But how for newbies like me with no portfolio or track records I spent most of my money on education  now I'm between jobs so it's kind of hard for me to do both.

Quote from @Michael Smythe: @Jay Hinrichs you might find this story interesting.https://www.freep.com/story/money/business/michigan/2024/05/...Someone's gotta start the long road back! 

(Before you start reading, I think the overarching theme of this question is that the definition of a Hard Money Lender and Private Money Lender has changed throughout time.

Go after the money.

Just my 2 centsTo answer the question if it’s a tear down you need to understand the comps In That area and the cost to remove the existing and rebuild - where many go wrong with rebuilds is they assume best case construction and holding times and time is money especially if using a construction loan.

When the bank lent you the money is when interest starts accruing. 

I have mentioned a few times on BP For all these folks trying to bust into the business but need to make money this is a great way to learn details and make cash without having to spend much if any money other than a computer scanner printer phone. 

Roll money into paid ads on Facebook or YouTube.

How quickly you can start making money with them?

Not only can who you work with impact your bottom line tax-wise, but you want to make sure you work with a reputable firm.