The terms right now on hard money are not as rough as they would have been in the past, and in addition you can get different loan products depending on what you are doing.

There are some pretty nice discounts on many products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proThe site has quite a few tools that can be helpful for new members.

Here are three books I would recommend you read for different reasons:1) Rich Dad Poor Dad - If you have not read it already, this is a must.

Cash-out refinance pros: interest rates tend to be lower than HELOCS, you have the flexibility to do whatever you want with the proceeds, interest from the mortgage may be a tax deduction, and there are multiple types of loan products and structures to select from. 

Because of the ice storms in Texas and North Carolina and across the country in several states, we're gonna see a restriction with workers being able to complete houses and product and get it to the market.So what that means is that you're gonna see massive restrictions on supplies and inventories.  

@Dmitriy P.The system were in depends on poor money management by the majority.

My personal favorite loan product right now is DSCR loans.

This method works well if you are purchasing a product that is very uniform.

With closing costs, for us to move into this house it will cost 75k, which is a substantial amount of our nest egg, as well as it seems very counter productive from a real estate investor view.

No use in looking at a $2M facade makeover if the project only supports $1.5M.Understand there are product shortages right now...if you cannot get the Moen Commercial faucets the Architect speced at $X installed can you get Koheler faucets at $X (x) 3 installed.