Go to your gym or your bar or your Home Depot parking lot and put the word out that you want to hire 5 big guys for a 2 hour job at $100 apiece.  

So to refinance at 75% LTV, you need at least 25% appreciation (forced or otherwise) just to get to the LTV, and you don't start yielding cash out proceeds until after hitting that bar.

Use the search bar at the upper right of the website and you'll find something.What are you looking for as far as investments go?

The Pennsylvania Bar Association's current stance is that a lawyer may do so as long as he or she obtains informed consent from the client.

I was lucky to become the GM of a full scale restaurant bar and catering hall at a young age through hard work and a bit of smooth talk lol.

If you are taking that approach, maybe they are getting a steal.Certainly, if you want "a safe place to store cash that produces better returns than a savings account", that's hardly a very high bar to set yourself! 

Except for the new restaurants and coffee bars of course!

I'm also leveraging my 401k (via a loan to get my foot in the door with investing) - the easiest way to avoid banks is to find deals where the seller is willing to hold the note (aka seller financing) - here's where the seller acts as the bank (check out BP podcast #13) as well as here:Here's a quick rundown: https://www.biggerpockets.com/blog/obtaining-selle...You can use the 401k as a down payment and take out regular mortgages as well, you just need to find a lender that OK with that and make sure your numbers work.If you structure it correctly it can be a win for you (small down payments/lower bar of entry to REI) and the seller, when acting as a bank, gets to benefit from amortization and make way more than they would if they outright sold it (and they avoid a decent chunk of capital gains taxes).I'm also investing in Wilm DE - I have a few agents/contractor contacts I've developed that I'd also be happy to share, inbox me.

Jay - thank you for the kind words - it is good to know another developer in Baltimore - my son and I build a 11,000 sf night club/bar on Charles Street, The Baltimore Eagle Leather Bar, it is producing $18,000 a month net-net, we are about ready to build another club, it will be called the New Hippo it will be about 15,000 s.f. dance club, a few years ago we built Joe Squares Pizza on North Ave at Maryland  Ave.

If you want to 'treat yourself' - buy a candy bar once a week as you head to your second job.