Rewards are directly related to your mastery of skills.

So I purchased 4 quads but they are zoned commercial instead of residential so I’m having a little tough time wondering if I should do them individually or all together on a commercial loan.

Flexibility -Hard money lenders are sometimes individuals or private lenders, which means they have more flexibility over terms and interest rates.

What would I need to propose to a new individual to bring into the deal as a guarantor during a refinance?

Set up times to meet with each one individually and lay out your expectations and sign your lease if you can't get one from the owner.

It sounds like I need to do more research into individual lenders and see which one I connect with best and would be the most responsive.

Just get rid of him and find a qualified renter to replace him.When more than one renter occupies, they are under "joint and several liability" which means each individual is 100% responsible for the terms of the lease.

It seems the nature of this type of deal is high risk/reward.

Otherwise, I have used getting new reward credit cards for the signup bonus points (or cashback) for when I need to spend a large amount of $$$.

And all the lenders that said they could do the loans individually for each house, then said they couldn't do it because they're residential properties in an LLCs name.