I'm Cindy, a full time nurse training coordinator with another side hustle (health and wellness copywriting).

Some have a mortgage and some do not, some cashflow well and some just a little.

I have been approached by a Realtor whom I know fairly well asking for me to do a hard money loan for a client of hers.  

We generally invest just south of McHenry as we know that area very well.

Outside of real estate, I enjoy anything active; Pickleball, hiking, swimming as well as cooking and traveling.Excited to learn and connect with you all!

We have a 480k mortgage on it, we have a 400k heloc as well that I use for investment purchases and then refinance after we fix up to pay the heloc off.

And Wraps as well.. 

Dauphin Island doesn't fare well during major storms/hurricanes - severe flooding, erosion, transportation issues, etc.

Personally I refuse to deal with any of the large banks, (Wells, BofA, Chase) and prefer to deal with smaller regional banks or credit unions.

If I were able to obtain another loan for $200K, even at the same interest, I can pay that down and off over a few years, and then I'm back to my low interest loan only and a ton of equity in the home I could potentially tap into as well.