For a relatively "safe" creative financing, one needs serious reserves (lots of moolah) and the ability to sell or refinance quickly when one of those "hiccups" occur.The gurus usually collect a large fee, from people who have neither money, reserves, nor experience.

If you haven't already check out the gifts Santa has left in the Resources page on Biggerpockets! 

It helps to try to build rapport with them to show them you're serious, which you may want to work on since you're relatively young and inexperienced.

Quote from @Robert Gunn: I would also be very interested in hearing student or JV experiences with Pete and his program.I stumbled upon him by chance and for fun (I've been investing in land for years) signed up for his "free" course, which he promises after he pitches his $499/mo software system (which is basically an overpriced CRM) and then after the first "Level" in the course, you are directed to a pay page to access the rest of the "free" course.  

Not sure if I'm allowed to post external links here, but it's in my BiggerPockets profile page.

And as you read through these documents many are 5 to 20 pages long..

My HOA pays for everything related to the structure and my cash flow is $200 after HOA dues so I only tend to keep 2 months of rent in reserves per unit + the tenant deposit

Related damages:When tenant took possession, the living room had a vertical blind set apx 70” long (covering two windows.)

In our reviews our lake, pool, size of our house and location relative to everything else gets the most mentions.

If you work with real estate investors, it's nice to be relatable to your clients as well.