HML just went to private money to give the allusion that you are going to find some rich doctor that is going to lend you money at 5%. private money  hard money is quite competitive these days.. you can plan on 2 to 4 points up front at close and 10 to 15% interest  plus junk fees and rehab draw fees appraisal fees etc etc. some of the larger national lenders have their pricing very well spelled out on their websites you may want to get a baseline from themKiaviLima one Lending oneetc etc..

I believe that successfully navigating this initial investment will pave the way for future opportunities, whether in the same market or elsewhere.Living in New York City, I faced a challenging market ;)I chose Montgomery, Alabama.Here's my process:I compiled a list of states with favorable landlord laws.Using Brightinvestor, I identified cities within those states where the median home price falls below the national average ($420k).I excluded cities with negative income growth and rising unemployment rates.I focused on cities with strong appreciation rates over the past five years (over 10%).I compared price-to-rent ratios.I did break two rules: Montgomery has a slight decline in population, and its largest employers are an Air Force base and government agencies.One significant factor that influenced my decision was the promising price-to-rent ratio, suggesting potential for positive cash flow (though I remain cautious about appreciation).Regarding my acquisition strategy:I plan to employ the BRRR method with cash.

There are tons of qualified individuals who can help you shop products and their select lenders playbook utilizing the find a lender tab at the top of the page more often than not, an experienced broker who can help you shop a married of options, across-the-board of every lender in the nation is going to be able to provide some great value to you in order to save time on shopping.

Most are nation wide and will lend to wide variety of products such as a fix and flip loan, bridge, and long term DSCR loans.

*Keep a journal of my progress, and keep my REI journey in line and prioritized appropriately with my faith, my family, and my W2 job (Not planning to quit my day job any time soon).My goals for the rest of the year:*Keep doing the daily work*Continue to invest in education (Not spending $$$$ on the national gurus.

BOTH locations are safe Ive noted on some of my posts how Mcallen was voted one of the safest cities in the nation despite it being a Bordertown.

We use a national supply house for everything and do mostly builder grade with upgrades where they need to be at.

I request Bigger Pockets to remove his account, as you are allowing him a platform to promote this fraudulent activity to find new victims and that is not right.Also Chris that is why any note transaction I am doing we get fresh lender policy for the note buyer. and handle  all funds through national title company.  

The vast majority the rest of the nation will continue to see moderate to slow increases in value. 

For that reason, and because I only do a few closings a year, I've not seen the need.For those who, like me, have not used an eNotary before, the steps provided by a national service are:1.