Out of curiosity, why has no one recommended neighborhoods near Schenley or Frick parks.

Just out of curiosity—does it need to be someone local to Maricopa due to a personal preference, or is there something specific you're needing local insight on?

Although seller demand higher price based on potential payoff (which includes accrued interest, late fees for 15 years), you may not get more than Unpaid Principal Balance or worst yet get sued for FDCPA violation

That curiosity and drive to understand the deeper mechanics of real estate will serve you well as you build your portfolio.If you’re focused on generating cash flow and long-term wealth, you might want to explore turnkey rental properties in strong cash-flowing markets like the Midwest and Southeast.

I have had a curiosity about real estate investing for a decade or so (I'm 53, and , but never took any action. 

Out of curiosity, what state and market are you targeting with these multifamily opportunities?

Also, Upgrade (which is what I was told I would need to work with Tardus) charges 12-20% interest on their LOCs...so while you may be paying it off in 3-4 months, you are still paying interest that accrues daily on those loans...which I why I need to see the actual calculations. 

Hence, my curiosity about whether anyone has closed with them.

So out of curiosity I looked him up and found one of his videos.

The BiggerPockets podcast is such an eye-opener, and it’s great to hear you’re diving in with curiosity and intention.Since you’re in the research phase, here’s something to consider:Many new investors start out with turnkey rental properties, especially in Midwest and Southeast markets.