Since I was the primary wage earner in our family I felt it was my duty to provide for the family especially retirement. 

These loans typically have higher interest rates but can provide quick access to capital.I am a loan officer in CO, so I may be able to help you, as well as advise you on how you can increase your appeal to lenders.

I comped area property using my own access to the MLS, being a real estate sales agent.

Doubling your units this year sounds like an exciting goal.As an investor and agent based in Myrtle Beach, I'm keen on exploring potential partnerships and offering assistance where possible.

Thus, your project cost could be ~93% of the ARV leaving 7% for property taxes, HML fees, agent sales fees, closing costs, title/property insurance, etc.

These documents can provide insights into discussions and decisions related to development projects.Network with Real Estate Professionals: Connect with local real estate agents, developers, and property investors.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

Here are some options and considerations:Loan Against Equity/ETFs:Margin Loans:Description: Margin loans allow you to borrow money using your investments (such as stocks or ETFs) as collateral.Pros:You retain ownership of your investments.Generally quick access to funds.Interest rates can be relatively low compared to other types of loans.Cons:Your investments are used as collateral, so if their value declines significantly, you may face a margin call (requiring additional funds or securities).Interest rates can vary and may be higher than traditional loans depending on the lender and your creditworthiness.Securities-Based Line of Credit (SBLOC):Description: Similar to margin loans, SBLOCs use your securities (stocks, ETFs) as collateral, but they typically provide more flexibility and may not trigger margin calls as easily.Pros:Allows for ongoing access to funds as long as your collateral remains sufficient.Interest rates may be competitive.Cons:Similar risks of potential margin calls if the value of your securities drops significantly.Terms and interest rates can vary widely among lenders.Comparison with 401(k) Loans:401(k) Loans:Description: Borrowing from your 401(k) allows you to access funds without selling investments, using your retirement savings as collateral.Pros:Typically low interest rates.No credit check required.Interest paid on the loan goes back into your 401(k) account.Cons:Usually capped at a percentage of your vested balance (commonly up to 50% or $50,000).If you leave your job, the loan may need to be repaid immediately or could be considered a taxable distribution.Potential opportunity cost of missing out on market gains if funds are withdrawn from investments.Other Alternatives:Home Equity Line of Credit (HELOC):Description: If you own a home with equity, a HELOC allows you to borrow against that equity at typically lower interest rates than unsecured loans.Pros:Lower interest rates compared to other types of loans.Interest may be tax-deductible if used for home improvements (consult a tax advisor).Cons:Your home serves as collateral, so failure to repay could result in foreclosure.Personal Loans:Description: Unsecured personal loans can be used for various purposes, including investing, but typically have higher interest rates than loans secured by collateral.Pros:No collateral required.Funds can be used for any purpose.Cons:Higher interest rates and stricter eligibility criteria based on creditworthiness.I am a loan officer and we do some of the loans stated above.

I have family with a portfolio in North Texas and over the past four years their taxes have increased 100% or more per property for no increase in the services provided to them.

We provide a simple Weber charcoal grill at our duplex unit for tenants to share, and leave it to the tenants in our single-family properties.