The dude asking for advice is a 33 year old retired NFL player and she recommended he check out a $5 or $10 book written by another 33 year old retired NFL player.

Full-Appraisal Loan (75% LTV) – When Leverage WinsExample:You’re buying a stabilized rental with plenty of time before closing—no bidding war, no motivated seller.Purchase Price: $200KLoan at 75% LTV = $150K (you bring $50K cash)Appraisal risk is low because comps are solid, and you want to keep more cash for the next deal.This works best when:You want to maximize leverage and recycle cash quickly.Timing isn’t as critical as long-term financing terms.My Opinion:Speed wins when the deal is time-sensitive or ultra-competitive.Leverage wins when the market is stable, the appraisal risk is low, and you want to stretch your capital further.

Your refinance strategy3. our long-term cash flow pictureI’ve been running the numbers with clients, and here’s the wild part: a 1% rate drop can mean tens of thousands saved OR lost, depending on how you structure the deal.Hot Take: Rates are sexy to watch, but tax strategy will decide who actually wins in this new market.Curious—are you planning to jump in with lower rates, or are you waiting this cycle out?

What wins time or leverage?

I look forward to sharing some of my points of view picked up along the way, as well as engaging with other likeminded players serious about this game.

There are other players in the game to compare with like Kenny Bedwell at STR Insights or Bill Faeth's coaching.

Check with the companies Rhino Insurance and Obligo - these are big players in this field professional management companies work with, I'm not sure if they're open to self managing landlords-also not sure why they wouldn't be.

not every basketball player is Lebron James, and most basketball players aren't even in the NBA. i don't do STR personally - i have all LTRs, and am looking into MTR - but if you're only interested in it because you think the returns can be higher, then that may not be enough. 

My role has involved making strategic purchasing decisions, negotiating supplier terms, and managing large capital investments in a competitive environment.As the Amazon landscape has shifted toward large players with exclusive manufacturer access, I’ve been planning a transition into real estate finance — particularly hard money lending, In my role, I’ve:Managed multi-million dollar purchasing decisions, sourcing high-demand products and optimizing inventory strategies.Analyzed large sets of data to forecast profitability, manage cash flow, and minimize risk.Built strong relationships with suppliers, financial institutions, and logistics partners to drive operational efficiency.I’m confident that my financial acumen, data-driven approach, and experience in capital management can translate seamlessly into roles in real estate finance.I’m eager to connect with professionals in the field, and I’m particularly interested in opportunities related to:Hard money lending and underwritingReal estate investment analysisPortfolio managementIf you have any advice, mentorship, or know of any opportunities in real estate finance, I’d love to connect.

@Michael GreerSomething doesn’t seem rightYes you win at sheriffs sale but the sheriff and courts need to finalize the funds and who gets what and then issue the deedYes in some places this can take monthsWe had one in PG county Maryland that took 14 months for them to issue the sheriffs deed