Hi all, I'm curious to hear some opinions on finding a balance between going to school, getting a part or full time job, and investing in real estate.Currently I go to school full time and my wife is in the navy.

I just had to make the money come out where it appeared to not exist.So, here was the total profit breakdown of my wholesale transaction:Wholesale Fee: $40,000Loan Brokerage Fee ($6,600) -- this was 2% of the loan balance, $330,000Refinance Loan: $10,000, payable over 5 years, fully amortizing, at 8% interest.

That said; in my experience if your seller is offering only partial financing and you are going to your local lender for the balance, it would be the lender who may regulate what type and source of secondary financing you may place on the property.

I am trying to decide whether to refinance the property and get cash out, or to sell the property and move on to my next property.Details on Property:- 4 bedroom + large den (not legally qualified as bedroom but by far biggest room in house), 2 bathrooms, and 2,100 square feetLoan Details:- Currently on a 20 year Fixed at 3.375%, Loan balance is approximately $171,000Refinancing:I am thinking about refinancing the property in order to cash out almost $50,000 and stretch my loan amortization to 30 years.

Christchurch NZ is not doing well at all. the Rents are declining do to over supply and prices in most areas have stagnated. the BIG Economic Boom of after the Earthquake lasted for 3 years straight after the EQ and when there was housing shortage. now there is over supply of renovated, fixed up homes. 

I started with these two companies because I've heard a lot of great things about them over many posts and their respective CEO's have contributed greatly to many posts here at BP.Birmingham looks promising, population growth (while minimal) seems stable, lots of new economic activities and projects developing that will help spark the economy.Dallas/Houston surrounded by great companies however Im afraid it might be harder to find properties in these markets that have been quite hot for sometime now.

Like you said, if I want to be completely "in the know", I may have to discuss with a broker my intent and find the right amount of balance.

I agree there are lots of factors that enter into the economic changes relative to real estate.

This will mitigate the higher interest rate on the entire balance.

Not a lot of economic base there, so real estate prices and rents are both somewhat lower.