So, it's still NOT a good idea to try to invest by zip codes - which are too big in our opinion/experience.

I'm a big fan of crypto, but I try to be as pragmatic as possible.

My interest rate and purchase price wouldn’t allow for positive cash flow unless I charged an unreasonable rent—or put about $500K toward the principal, which isn't ideal.I’m a high earner, so I’m weighing my options:Take the loss ($60K-$100K), buy another house, and chalk this up to a hard lesson learned.Refinance, put more money into it, and rent it out long-term—even if it’s not immediately profitable.Invest my money elsewhere and try to make peace with staying here for several years.Would love to hear thoughts from anyone with experience in real estate, financial strategy, or noise mitigation.

To answer your questions here though:Alternative options - I was going to sell all my stocks and etfs, take out a HELOC, and some credit cards to try to shoestring together enough to the deal without a hard money loan. 

What are you trying to accomplish?

I am new here trying to get started!

You can try to shop with other lenders but you need money in reserves and for closing costs. 

I would try to portion that off as a separate loan that can be paid back quickly - you'd need to discuss your plan with the PML.

I'm a part-time CFO (Chief Financial Officer) for real estate developers across the country, most of whom are trying to give back to their communities through their real estate development skills.I'm also a former Director of Lending for a CDFI that lent money to local developers rebuilding LMI and under invested communities. 

They tried to charge me for repairs for this fake break in.