Jenna,Are you asking how much "property" coverage you need to carry? 

Most of the requests we receive for our hard money loans are thru mortgage brokers.  75% of the requests we receive DON’T include ANY of the following:1. the amount of financing being requested, 2. the specific proper...

Considering selling land to a developer with a seller carryback.  Doing my homework now to know what assurances I will have to eventually recoup my money/property in the even of a default.  I'm working with atty to pr...

It's not perfect, but its the main strategy I utilize to grow my portfolio without having to wait until I save enough cash.Other options are: loans from friends/family, Hard-money lender (can lend up to 100% on great deals), and seller-financing (may be willing to carry most of the debt or a secondary position). 

In certain situations additional lien on credit and excessive trade lines can cause future DTI issues, lower scores and denials on future loans.The rates our lower on mortgages versus Heloc right now and the terms are longer for example 30 year mortgage versus a 8-10 year Heloc and most carry prepayment penalties so if you want to pay it off early they can hit you with a prepay penalty of 6% or higher.Refinance allows you to have cash in hand and avoid the scary "What if" factor meaning loss job, lost income, late payment, over leveraged and if any of these things happen your credit limit gets reduced and in most cases closed completely.

Objective is to take the carry over losses in 2025 due to a change in status from passive to RE pro due to meeting threshold in 2025. 

Using a HELOC to fund the gap or monthly carry on a hard money flip can work if you're disciplined with timelines and budgets.

Here are my go‑to resources:Books:– “Never Split the Difference” by Chris Voss for real‑world negotiation psychology– “The Art of the Deal” by Donald Trump for creative deal structuring insightsPodcasts:– The BiggerPockets Podcast (episodes with Brent Daniels on seller finance)– “Deal of the Week” by Joe Fairless (great short dives into creative terms)YouTube:– Graham Stephan’s channel for 3‑2‑1 buydown explainers– Clayton Morris on seller carry and subject‑to structuresIf you want more sources of information I'm a part of a skool community that has helped me a lot.

@Pratik Kochar Some hard money lenders will allow a seller carry however a clear exit strategy must be in place.

.: @Denise Supplee - ok, you asked the question, so I'll give you an honest and blunt answer.I wouldn't touch a real estate syndication in general whatsoever at present.