Good day Bigger Pockets family,Question for my seasoned investors.

Thank you for your response, My current income is about 75,000 a year, My credit card debt total is approx 40,000.00 which consists of 2 car payments and medical expenses. about 6000.00 of it is money I loaned or I guess gave to family and friends, Not to mention the cash I have loaned or given away, I am going to stop being a leech and start to put my needs first, I will get there eventuality!!!

@Scott Trench I have family members who believe we’re failing, I guess it’s called “preppers”, they’ll call very concerned to let us know to take cash out for a bank run or stock up as food will be scarce next month or the last one was the eclipse was going to cause an earthquake taking out the Midwest.

In business, references and jobs done also help too.Handymen per CSLB are prohibited from taking on projects that are more than $500, unless they can either break the project down into smaller job or risk going to jail -especially if they furnished something recordable (ie, a phone conversation or in writing) in violation of this fundamental CA rule governing construction.So yes I do agree CA handymen should never quote a client anything more than $500/materials+labor per particular job unless they don't care about building a career towards being a licensed contractor honestly and dont care if they end up being criminally charged for it.As for a family member and/or close friend I would expect handymen in CA to obviously work out 'less than armlength' ways to help them with big jobs that do exceeed $500/project but not leave an obviously incriminating papertrail afterall its family you're dealing with anyway and nevertheless as a handyman (and likely brother, cousin, in-law etc) until one day you are a licensed contractor then can quote as much as you want per project.I'm tired and done with CA handymen masquerading as contractors, quoting contractor prices, yet not having even liability insurance that licensed contractors are required to have. 

Also might be a good idea to look into section 8 to reduce turnover as much as possible because that really is a killer over the long run.Happy to connect and talk more about house hacking in Philly!

Jerry, multi-families small balance loans mainly and financing that makes sense below 7% with longer terms as we buy and hold. 

I’m interested in partnering with someone to buy small multi family homes near Augusta, GA.

I'll cut and paste what we send out for the initial approval for a loan on multi-family, but it's similar to what we ask for for a MH Park.

I am considering selling a single-family rental in DC and/or looking for a new commercial loan to purchase the building as much as I (or we if my brother decides t partner with me) can to be a majority owner.

And than family issues happen.