I've fixed pretty much everything unless it was over my skill set (replacing capacitor on A/C system, for instance; landlord told me when I moved in it was okay to repaint or whatever as long as it improved the house), my neighbors love me - they've told him so; I've resodded the yard twice (FL grass sucks with a dog), had the landscape crew redo the trees in front so they look good, replanted flower beds (perennials), power washed the house every year after wet season ended, ensured the pest control worked...The BUT part ...As a sole practioning consultant (pre-IPO weakness remediation, large financial systems implementations, global audit recommendations for SEC registrants, etc.) at times during the last 3 years things have been sink or sink lower credit wise and the ID theft didn't help (apparently, I bought a car in GA and own some property in TX).

Assuming larger capex and maintenance costs.I have access to hard money cash for a purchase and renovation of the property—about $196k of an outlay.  

Here are a few scenarios I'm thinking of:1) being sold by a realtor - price is likely close to market value. a notable exception is if house needs significant work, in which case the cost is being accounted for in a lower price. 

@Josh Oaten@Hadar OrkibiThe trouble in CRE is access to quality data.

Life Insurance spreads are in the 130 - 170 space so mid 4%'s and mostly lower leverage deals.

The only logic of the Heloc I was thinking was that I'd still have access to it as it was paid down for future improvements or usage towards another property.

The platform may allow investment by accredited investors only or be open to almost anyoneEach has advantages and disadvantages.The portals that allow anyone to post a deal have not been very successful and they will probably remain a fringe categoryMany investors are familiar with the big players in the industry that provide access to deals sponsored by numerous parties.As an example of a single sponsor platform I will use our own.In the last two years we crowdfunded/syndicated 26 real estate debt deals, raising just over $46,000,000.00 and two months ago completed our first equity raise, raising $1,700,000.00.Additionally, we did a co raise with a major real estate debt crowdfunding portal that was primarily residential and wanted to move into the commercial space.I will tell you that despite many similarities, no two portals operate the same, and there are major differences in deal type, vetting, costs, risks, returns, and transparancy.Keep watching this arena.

I have access to some money to invest and have some of my own. 

More than likely rent rates are lower because the property needs some sort of repairs in order to bring it up to par with the higher rent rates which gives you a bargaining chip in negotiations

Holding Costs $107,700 All-in- $84,000 Refinance loan = $23,700 Cash remaining in the property If your goal is to have zero cash invested after the Refinance, then, you need a lower Purchase price.Not sure why the Points are included in the HML.