The way I see it hard money is for new investors if they are serious about getting into the industry.

Further, my manager and my company and my industry all sucked.  

It's a "Premiums only" industry...

I work in the door to door sales industry selling pest control.

Even if I did not make it a career change I figure I could use the extra income and industry knowledge to help with investing. 

If you work in a service industry or are hourly wages, you want to be more on the 12 month range since you also have higher wage volatility. 

StartEngine.com can take 7% plus you have costs in doing a raise so actually, money cost is closer to 14% too rich for a Real Estate syndication deal. for our Tech industry these are one-time valuation costs and with Tech valuation can grow by 10x as revenues increase valuations.

As you mentioned, if anything the information I will learn will be valuable regardless, which I can appreciate as my day job correlates with the industry.

Data sources: https://www.macrotrends.net/ci... for population change and https://fred.stlouisfed.org/se... for unemploymentMy concerns about Vegas would be more related to its dependence on one industry.

Don’t be fooled - if you’re looking for stable and realiable income, it will not come easy an MLO this is a plant the seed and farm the crop industry.