Sure your SubTo mortgage doesn't show up on your credit report, but you still owe the money you took over when you did the SubTo.

If you’re restructuring a BRRRR deal or repositioning a flip, don’t just chase lower rates — look at how to structure the loan for stronger cash flow or faster execution.In my experience as a private money loan broker, investors who approach 2025 with a readiness mindset (updated docs, clear exit plans, access to alternative funding) are the ones who’ll capture the best deals as the market resets.Curious to hear how others are financing their pivots — are you tightening, holding, or preparing to scale?

You’re thinking about this the right way.. starting smart and aligning your strategy with your lifestyle will take you much further in the long run. 

I've been using non smart keypad locks (Schlage BE365) for 1 decade + and it has been good.   

All the stories here on BP are “my syndication stopped paying distributions” not “I’m making so much money totally passive!”

Leveraging your network, especially with the military community, is a huge advantage — those connections can open doors to deals, partnerships, and mentorships.Getting your license is a smart move, and combining that with learning different strategies (buy-and-hold, house hacking, wholesaling, etc.) will give you flexibility to pivot as opportunities arise.

I'm going to link some people here because I know they'll have smart things to say.

A lot of hard money lenders won’t touch a deal once demo has started because they can’t verify the scope or what’s been done so far, but the ones who do this regularly will just underwrite it as a “rehab in progress.”Here’s your best path:1.

You seem to have a bug up your butt about hard money versus private money, @James McGovern, as it seems to be your favorite topic.

Just a few days ago JPMorgan came out with a report pointing out that the billions in new profit that needs to be generated from the fortune being invested in new AI.My thoughts is to take some off the top, transfer money out of the stock market and buy a condo all cash.$150k studio, needs approx $10k rehabbing. $1500 rent, $460 HOA fee, $1300 annual taxes.