I'm a 34 y/o pharmacist by trade, but in looking forward to the future, I'm realizing that the traditional 401k or IRA is a terrible way to position myself to be financially free.

I would contact them with real deals, no theory, Here is property X, it is currently cash flowing Y dollars per year. 

This has lead to increased demand for non-bank financing, and in-turn local private money lenders have been reaping the reward.Average gross profits for flips are up y/y and at its highest point since 2011What does this mean for flippers and local hard money lenders?

For example, I can call up my banker and tell her "I need X amount of dollars for project Y, I have Z dollars, and need to carry the loan for 1-2 years...what's the best way to do it and how do I go about applying in order to get approved?"

@Stephanie Minor yes, I plan on getting a FHA loan for my first property, I'm looking towards a 4-plex but am hesitant in pulling the trigger due to the extra landlord-y responsibilities that would be involved in maintaining the units and tenants.

((I prefer Donni)) I'm R E A L L Y new to Real Estate, so I'm looking for all the advice I can get.

Hi  @Dallas Y                   Welcome to BP Family!

That is too much of a time waste.With the under motivated, I offer them more than their asking price, but I offer it like this "I will give you X price if you give me Y terms" My terms are seller finance terms, Like 120 payments of $1000 for a house that is worth 100k, assuming that I can get a renter or tenant buyer who will pay that much per month plus Taxes and Insurance. 

., grew NOI by X, ROI was y, Refurbished/demised space and increased gross rents by n.

If you said "What kind of brokers can service a client that needs X/Y/Z?"