You can't even change a lightbulb.You or your family can't use or live in the property.You can't sell a portion of a property like you can sell portions of stocks, bonds, mutual funds, etc.

We also get to enjoy our place as often as we like (the slightly lower occupancy rate due to our use is also a factor in being cash flow negative) and the negative cash flow is offset easily by the equity we'd gain, even assuming only a 2% appreciation on the cabin. 

Guests staying at a discount, technically called "below market rate" is ALSO personal use!

Beware that they advertise interest rates in the 2 - 4% range while the real rate is more in the 10 - 20% range.e.

I check the SEC, FINRA, ratings websites for inside information on the principals in the company.

That is luck.Now, for every 5000 mailers you send (let's say) you get a deal.That is a 99.98% failure rate.

Many people in tech with tons of smarts and funding have also tried to do what you are trying to do. 

I'm making great profits off them, but I'm having issues with my m-th bookings and I would like to raise my rates.

If this is financing for a stabilized property rate carries more importance but rate combined with origination fees, pre-payment penalty and term in which you intend on keeping the loan in place are all considerations which together should help in deciding the best financing option.

Hard Money typically funds 90% of the purchase price and 100% of the rehab on a draw schedule.