Of course I recognize the humor in that statement, (a hard money lender talking about good reputations) but I actually do have a good reputation and am careful to recommend only people I trust. 

They won't care you used your cash to pay down another loan.I will invest the cash you have and the cash flow from your properties in something safe (hopefully you can get ~1% interest) while you wait for your next deal.

@Chris Seveney  chris is suggesting a money partner and mostly these are done through syndications were your the sponsor but most investor want to know the sponsor has some skin in the game and is going to be there at the end or if the going gets tough.

Who cares.

I'm not trying to guess which area you fit into, I don't particularly care.

Some urgent matters came up that I had to take care of but I'm back in the saddle again. :-) Thank you all for the advice.

If not I would be careful about including it in your numbers.

If the wind blows heavily, I used to live in Houston and now in Colorado-both high wind areas, it can easily peel at least several courses off.Low wage workers, and let's face it roofers are relatively low wage, are NOT CAREFUL in their work habits.

However I would suggest to be very careful and seriously take your time to TRULY understand the market.

They don’t seem to care what they get in terms or returns - just that they get something.