I happened to have the cash to pay down the balances so my credit scores went back up and I refinance into a 30 year loan, got the majority of my cash out of the property except for ~$6K, and paid back the cards and such.

Hey guys, name is Chris WIlson, and I have been reading bigger pockets, along with others sites for a while.

All the best,Diego most of the good ones won't touch less than 100 units and even that is for new construction. hate to be the bearer of bad news. we are looking at ground up condo deals with entitlements and I reached out to a few HOAs based on larger towers and the best will cost more than it'll be worth.

I have been involved in a few $10m deals, and I want to do more.

I've been doing my research and i know in Texas there is a 180 day redemption for HOA (Home owners association) and 90 day redemption for COA (Condo owners association).

It is going to be a VARIABLE rate and is typically higher than a cash out refinance. 

The studio has large windows on both sides of the unit so i do not want to loose any of that natural light, and I am thinking of eitherA - Doing a full glass partition wall with glass door, with smart glass that can frost to create privacy when in use and allow sunlight when not in use to both sides of the apartmentorB - Doing a higher end full wall foldable partition on a track that closes the whole new "room" into a bedroom but can close back up and fold away to make it a studio again if not in use.Thanks for your input

If they have no cash your taking a huge risk on a ground up new build. and for that you would want to get a standby rate of interest like I do say 10% and I would charge 50% of the upside profit.. if they are putting cash into it..  3 to 4 points and 10 to 15% interest is market.and you give them money in draws as work is completed..

Originally I had planned to get the required permits from the city, but I had a contractor that I work with recommend to not go through the time, money, and headache of the permitting process since it's my primary residence and I can most likely "get away" with it.

I’m active duty Air Force and I have three VA loans now.When I started, I didn’t know where to start, so I went with the big companies, USAA, Navy Federal, and Veterans United.If you don’t have an agent, I know USAA and Veterans United have agents they are connected to and can refer them to you.