I help investors, builders, and homeowners access fast and flexible financing for purchases, refinances, and construction projects.I am here to connect with others in the investing and development community, share insights from both the equity and lending sides, and collaborate on new opportunities.Looking forward to connecting with everyone here.

My plan is to used some of the equity in that property to do this expansion, I got a rough estimate of the interest rate at 11.25%, is this normal and if not I would love to be connected to a bank/ broker that does HELOCs on investments at a lower rate. 

I value transparency, consistency, and learning from those ahead of me.I’m looking to:Network with experienced investors across Miami-Dade and South Florida.Learn best practices for evaluating deals, negotiating, and structuring wholesaling as a true business.Build long-term relationships with cash buyers who want steady access to off-market deals.What I bring:Strong research and problem-solving skills (tech/cybersecurity background gives me an OSINT edge for skip tracing & lead research).Persistence, adaptability, and a hunger to learn.A collaborative approach — I work with two dedicated partners so we can cover all angles of the business (research, seller contact, and buyer relations).My mission:Close my first few wholesale deals this year, reinvest into better tools and education, and become a trusted connector between sellers and buyers.

Hi All,I would like to avoid providing keys to the tenants and just have them setup and control the codes for access.

If your property is up to par you won't really have many maintenance calls except minor stuff such as plumbing clogs which is more likely to happen and requests to turn the AC up or down which you can do on your phone but other than that pretty hands off.Vacancy depends on location and your Padsplit property score the more comfortable you make your property (mini fridges, tv's, outdoor area) the lower your vacancy rate but you can expect about 10% vacancy factor in a Padsplit friendly area (centrally located, easy access to public transportation).

You need to have on hand or access to enough to cover the underlying mortgage, utilities, HOA and various carrying costs in the event the house goes vacant for a few months.

You may be a ble to gain access thru use of a larger property management software company. 

There are lower priced assets 1 million etc. but tend to be in weak suburban to rural markets. 

Require full inspection access (general, sewer, roof, HVAC, termite) and budget based on real findings.

Question 1:  Should I just lower the credit score a bit (like 630) to allow for some flexibility and avoid getting applicants with staggeringly low scores?