Most states do not require a specific license, although I know Nevada does, but many states provide guidance and that guidance requires certain limits of insurance to be held, certain limits of a fidelity bond to be carried and a license of some sort, like a CPA license in any of the 50 states, and attorneys license in any of the 50 states and or a designation by the federal exchange accommodator's association. 

I thought the whole point of hard money lending was to use other people's money for this sort of thing? 

The ramp is wheelchair accessible to a door,  maybe make it some sort of limestone footpath instead?

:)Anyway, I will reach out to you but in the meantime have you guys considered what sort of "numbers would work for you?"  

What sort of area is this house in?

Clearly there are some issues with the appraisal process which I won't get into cause I would prefer to keep as much of my hair as possible but it is something to pay particularly close attention to.

Now you can borrow money and have a SORT OF nest egg in case you need some cash.

That being said, you are sort of swimming against the current in order to use the funds from an investment vehicle in a manner for which it was not designed. 

Those sort of comments belong on that OTHER website: smallerpockets dot com...

So, you sort of see that it is very difficult to Buy Rental Houses that even support themselves.