They are not a lender that fronts down payment money. 

To be honest, there are far better hard money lenders and DSCR lenders than Kiavi.

Are you getting Key Money?

So, the question becomes: does the money you could earn working a job outweigh the potential damage that job might do to your learning and your grades?

That's easier said than done, and you're only going to create that level of income if you execute and self manage well.If nothing lights you up, I'd invest in index funds and pull money out at a 5% withdrawal rate (gets you halfway to $40k), stay completely liquid, and have none of the hassle factor.

HelloI am 40 years old and I can't decide how I should save my money to go towards my first Long Term Rental.  

They should have some pull and get the money back within a few days. 

I’m seeing the same thing on my end – the flippers who already have their money dialed in are the ones actually getting to the closing table right now.What’s working best for the folks I’m working with is having a clear “A to B to C” plan before they ever write the offer: short-term money for purchase/rehab (hard money, private, HELOC, or cross-collateral), then a lined-up take-out refi (DSCR or conventional) so we’re not scrambling at the end.

You should review the offer and confirm everything you want in the offer is present.I believe the broker should realize that the agent made an error that cost the client money and make an offer to compensate for some of the client’s lost Earnest Deposit (ED).  

If you are willing to risk a little money, you can do inspections, appraisal and even the title search all at once.