My vote is to get a minimum viable product.

Some of the big variables are the product type and thus the likelihood of risk manifesting. 

Hey I'm looking for any creative renovation financing products out there.

When you say over-funded a lot of times people are talking about over funding an IUL which when taking loans against can be a very dangerous product.

Also if you are raising rents by 40% in a down economy with rental rates starting to soften you will need to differentiate your product and keeping wall panels is not a differentiator.

Don't get busy doing the administrative work do the productive work is more fun.Regards,

Rates, fees, loan products and guidelines are not the same lender to lender.

When you have enough saved that losing $25K will not be catastrophic and you have enough knowledge to evaluate the risks associated with a syndications, join a syndication that you have establish a relationship (so accredited investor or sophisticated investor is not required).  

Next thing you know I had spent years blazing through a dozen plus strategies, survived the mistakes, and found myself in ownership of a remodeling firm again, a lumber yard, 2 home improvement product lines, consulted to hedge funds, worked in syndications, and it was like a blur. 

Gurus push anything that helps them sell their products/services to newbies and they make it sound as easy and as cheap as possible to get them on the hook (which is when your credit card is charged).I'm not sure specifically why gurus (or if most do) push DF$, but I do know this: If you are going to start out and do any type of marketing, DF$ is a good thing to do, especially when starting out as the only cost is your gas/time, and wear and tear on the vehicle but you gain something you don't get with any other type of marketing including SEO of your website: Experience and knowledge of your local market.