Pay particular to licensing and usury, which can vary dramatically state-by-state.My suggestion is to call a larger local hard money lender and ask if they would help originate your loan.

(I used to work full time for the grocery store job, so roughly 35-40 hours a week, and now I work the new job in transit for roughly 30-40 hours a week [hours can vary, but I tend to be on the higher end of about 35 hours] and retain working at the grocery store for about 15 hours on the weekend.

@Jenni Utz I’m assuming it varies based on the lender?

And there's varying levels of house hacking with various payoffs.My situation is I'm married with one 10 month old, might be another kiddo within 2 years.  

@Anthony Richard Vasquez it can vary the big thing to look out for in Temecula is Mello-Roos on most things built after 2000 which can really increase your costs by quite a bit, with San Diego housing stock being older that isn't as much of a concern. 

It seems like collection issues have varied a lot by market.

the other big chunk outside of the buildings costs is your architectural, structural and expediting fees which will vary depending on your specific plan needed for your specific property.

May vary from state to state.

EQUITY AND PROFIT After Repair Value $ 430,000.00 Flip "Profit" (Equity) $ 24,844.75 Return on Down Payment Investment 169.07% ..ASSUMPTIONS Utilities (Varies by Property) Electricity Water & Sewer 100.00 Garbage 60.00 Shoveling/Lawn Care 120 Total $ 280.00 ..

Make sure you understand how each Sheriff office works as it can vary county to county.