Hard money is not only expensive, it can be time consuming to justify to your lender that you're a good risk.

Missouri has reasonable usury laws- http://finance.mo.gov/consumers/usury_law.php and insured banks are exempt, any way (see link).

Both can be all in consuming.

It was only a secondary remedy, I believe the first suggestion I made using a combination of chemicals and cleaning with a scrub brush into the pipes is the best and easiest method, not to mention the least expensive and least time consuming.

If you ever read your cell phone contract or cable TV contract you'll see that the buyer or consumer can be at some real disadvantages in many instances.

And getting a signed contract can be very time consuming.

When contacting note buyers in my area I was told that most wouldn't be interested in a note originated by a seller selling to a consumer/owner occupant.

Everything else - the inevitable routine maintenance, the occasional serious maintenance, vacancy, legal and CPA costs are all out of pocket.

If you want to generate cash as an agent do BPO's (time consuming).

It's up to the consumer to determine if my time is worth more than someone else.