I will say that for lenders, if you're going to meet one it helps if you have a deal you've done that you can talk about with them, or a specific deal you're considering - or at least some examples of what you're looking for, and the more specific the better.Basically, the more that you can show that you're serious, either by having a track record or by being able to talk intelligently about the kind of project you'd potentially ask them to lend on, the more seriously they'll take you as a potential borrower.It's not unlike a startup seeking funding from an angel investor, there's a whole psychology to it as far as showing that you have some knowledge and presenting it as a safe lending opportunity for them without coming across as "needing" the money because any hint of desperation will turn off a lender or investor quickly.BP has some great resources on this, you could search Bigger Pockets Raising Private Money or something like that.

No one who wins the lottery is disappointed they won, but that doesn't make it a sound financial plan.Further, recommending college as an intelligent decision has nothing to do with the student loan problem. 

If you're a person who won't answer the phone when it rings, won't return phone calls, makes ridiculous offers, or can't speak with any amount of intelligence, then the answer is going to be no.

@Miltiana Holdip, I'm not sure I've got all the necessary information to comment intelligently on this situation except in a general way.First, it has gone on far too long. 

Despite a huge run-up of the stock and RE markets, and tons of money pouring into both, they are also many people sitting on the sidelines waiting for the next buying opportunity.Since I wasn't watching the markets back then, I can't speak intelligently on it.

As I matured, I learned that financial irresponsibility comes from partly lack of financial intelligence from the communities we come from, but also insecurity. 

There arent many secrets to this business and you can sum it up to using emotional intelligence, common sense, knowing the law and managing people when they do the unexpected.Read and ask more questions and keep your money in your pocket to buy property.

From what I’ve learned so far if a tenant is looking for a reason to screw you, they’ll find one, but using compassion and emotional intelligence as a landlord goes a long way!

Due to Covid-19 there are a lot more opportunities available in the market.I've read a lot of business books and some of the top on my list are "Think and Grow Rich", "Rich Dad, Poor Dad", "The Intelligent Investor", "The Art of War", "Mastery", and "How to Win Friends and Influence People" (PS. there are many more, but too many to list).

.-- Owners maintain the property so those who cannot afford to do it have a roof over their head that does not leak (an un-doable repair expense for "The Working Poor"), and replace furnaces so they don't freeze to death in the winter, and replace hot water heaters so they can wash.The working poor cannot afford to buy furnace, let alone the price of installation.There is not a renter/owner problem in the USA, other than what is being artificially gined up.The system works well for both sides.Just my 2 cents.