BTW, you get what you pay for - the cheaper ones are robotic/scripted while the good ones (more expensive) have presence, personality and situational awareness -  which helps with appointment setting. 

She proposes to use her security deposit money to cover another month's rent, to be paid once it's released.

The problem when you invest in a fractionalized other brokered loan is that the originator has to get paid too.

The new lender wouldn't care what the current loan is, as long as it's paid off.

The only exception(s) to this (if any) are the items reflected on theaccompanying Escrow Holdback Agreement, if applicable.Citizens is authorized to disburse the final draw in the amount of $________________ in accordancewith the executed Disbursement Authorization on file.It is understood that, in the event the Borrower(s) are dissatisfied in any way whatsoever with theremaining construction after completion by the General Contractor, their sole recourse is against theGeneral Contractor.Borrower(s) and General Contractor, jointly and severally, agree forever to fully protect, defend, andsave harmless Lender from and against any right, interest, claim, and each and every of them, ofBorrower(s) or General Contractor against the Lender, against all losses, costs, damages, and attorneyfees and expenses of every kind and nature which the Lender may suffer, expend, or incur under or byreason or in consequence of holding the remaining proceeds as provided herein."

But also real estate in my area is heavily expensive, so that doesn't help the situation, often times i find in gilbert, the cash flow is negative for value.

(Thus you would be taxed on the interest payments and whenever it gets paid off; but again, double check this with an accountant.)What might work better for you given what you're looking to do is a lease option. 

Is Boulder too expensive?

Conserves capital and allows investors with little to no cash to scale.House Hacking: Live in a multi-unit property while renting out other units to offset expenses.

I paid him several thousands of $ - well above the $600 tax threshold.