.- Deal underwriting: JV partners, other BiggerPockets members, hard money lenders/underwriters. - Contractors- Capital providers: JV partners, private money lenders (PMLs), hard money lenders (HMLs)sFor additional context, are you going to be flipping and actually selling or are you going to be fixing and holding for rental income? 

My fervor and desire to jump into the game and become financially free was quickly deterred by people telling me I needed to get through school and start making money before I should get into REI.

I'm very conservative and want conservative leverage percentages, long-term fixed rate loans, high skin in the game and sponsor that has experienced at least one full real estate cycle and lost little to no investor money.

Spend some time obsessing and you can pretty quickly estimate how much money you can make if you manage the property properly. 

My plan is to refinance the land with hard money, pay off my debt (40k) with the cash and then take over my rental property.

So, early on, right after college he decided to forgo the usual “management trainee” route and go right to where he could make a lot of money fast - commissioned sales.

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I am using a hard money lender

It would be wise to take date/time stamped photos or conduct inspections when such incidents occur to have solid evidence.

It is foolish to continue adding late fees thinking you will make more money.