It's my understanding that hard money lenders aren't necessarily the formal businesses you might find online, but simply any person/entity willing to provide a short term loan, collateralized by property, and willing to take (mostly) interest only payments and defer full / majority repayment of the principal upon the term end.

So if there are any lenders on here that have no problem and would love to help a newbie investor get started that would be awesome, if not I understand but if you could point me in the right direction that would be great!  

Consider:  cash flow IS NOT directly related to the neighborhood;  it is related to rents in the neighborhood vs the FMV.The "working class" was my target market too so I understand that priority. 

I have a decent understanding of the numbers. 

I know I will have to pay incomes taxes as apart of this conversion, but I've been doing some reading and can't seem to understand if I will also be hit with additional taxes as a result of something called "pro-rata rule".

I understand that having a real estate license isn't essential to real estate investing, however I do want to get at least a year or two (maybe more) under my belt and truly learn the ins and outs of the industry before investing in my first property.

I can completely understand the impression of getting scammed when the tenant is showing the property - because it happens.  

I understand marketing campaigns, and the need to "stay the course" before you "throw-in-the-towel", but I'm considering dropping this campaign.I've been doing it for about 6 months, with minimal results.  

It is my understanding that commercial property (i.e.

I understand the area is growing especially with the new stadium.