Side note you want to execute your plan to ensure you minimize the amount of months that you are paying back funds then move to a refi option if your purchasing or renovating to extract more cash then lower risk exposure with caring unlocked rates in a short timeframe.

The ideal brrrr (ideal implying all investment is extracted) requires the purchase price including closing costs plus rehab cost to be no more than 70% of ARV (the value as set by the loan appraiser).  

This structural discount is precisely what enables the 20-25% affordability gap, allowing a nurse or a teacher to buy into a high-demand neighborhood like East Hollywood.

Now I fear the extract via refi will be cash negative and have the costs associated with the refi.

My current job enables me to have my entire mornings to put forth time to doing things like driving for dollars and many other steps required in wholesaling.

It does not take much math skills to realize that without an extraction of value that the cash flow would be outstanding.  

You end up with multiple, un-synchronized lists that are difficult to extract individual cells of info from.

We are a technology-enabled engineering study.

Not something we ever anticipated doing but it enabled us to save a significant amount of money while we were building.It sounds like we were in a very similar situation to yours and realized the way we had previously been saving for retirement wasn't going to support us.  

You can create tremendous upside because you understand where the bodies are buried and how to extract value others miss.If, on the other hand, you have to Google what an allonge is, or you’ve never enforced a note through litigation, or you’ve never stared down a borrower who knows exactly how to game the system, then DIY note investing is not safer just because the coupon is higher.