The primary concern with using commercial financing is it typically features a short term, long amortization and a balloon that could be problematic if you cannot afford to refinance due to market conditions at the time the loan becomes due. 

I offer some of our documents in the BP File Place, available to you for free, look under Other Documents for these.As for the most recent challenge... if you have a clause in your rental agreement about unauthorized occupants, enforce it.

I realized that Deal Machine now offers free skiptracing with the pro subscription.

This way, you get good cash flow but still keep some money free for more chances to grow your money.

Can you take the small profit which may qualify as "tax free" and invest in properties on the mainland, or in a retirement account.

Feel free to reach out to me anytime in regards to ground up construction financing for first time investors 

Its' free for me.

If you sign up for the free trial they will automatically charge you for a subscription (usually around $1100) and they will refuse to issue refunds or close an account.

It looks like to me that Milwaukee is best for flippers and buy and hold (passive income) but not great for short term equity.

Happy to help with some referrals if you need any.Also, a great resource I learned a lot about BRRRR is by listening to free audiobooks about the subject.