I want to keep going with real estate, but I’m unsure of where or who to turn to for advice, and I’m not sure if I trust my “team” now.

How should I best find private lenders who would offer 8% annualized with payment after? 

It keeps me on schedule with reviews of their payment history, lease compliance, in-person property inspections, rent increases, lease term updates, and more.With even a modest 3% increase per year, their rent would be $3,054 in the third year, almost $80 a month more than you currently propose.

I wouldn't trust them with renovations.

With $20k in savings and an additional $4k monthly saving rate, I'm navigating my next steps carefully, especially since I value starting with a substantial equity position in any deal.Here are the options I'm contemplating:Invest in a Low Entry Property: With my capacity for a 20% down payment, I'm considering properties in the $100k-$120k range.

The borrower was 11 months behind on payments and between the payments and legal needed $18,560 to bring the loan current.  

The interest payments will be additional deductions/expenses. 

Trust me I’m already kicking myself for the generous terms of the lease.

You can buy a $200k+ SF or duplex and use $40k as the down payment.

60k down payment with a loan from Provident FundingHow did you add value to the deal?