Heating costs go up in winter, as does electric due to the reduced natural light and people being indoors more.

It’s not no rent and free housing alternative.

One of the only ways to hit and maybe surpass that rule a little is to develop alternate income streams on the property, which you already alluded to.

Much of this money is retirement money for the true private lenders, so rest assured they will be very very careful of who they lend their money too, and the safety of the deal for them....and it will have to pay them more than they could get with safer alternative investments.Maybe you can reduce some of those costs if your first duplex is paid off and you're willing to use that as collateral.Can you borrow today against the duplex?

I’d like to understand if all lenders have the same policy, so I can work toward another alternative.

I think it's a healthy discussion, with all sides coming away winners in that we all know a little more about alternative strategies.I could not help noticing though, that many of the arguments being presented tended to deal with past performance.

So the natural timing opportunity presents itself to speak up to her, if useful or helpful.

Anyone have experience with drain flies or an alternative theory for the identification of this kind of bug?

One alternative might be to give your investors a preferred return, and a locked in profit split for when you sell... do you think promising a preferred return would create problems for lenders?

I just listened to a podcast with the founder of bootstraplegal.com @Amy Wan , i haven't used it yet, but it sounds like a cheaper alternative to get some legal work done for smaller deals.