Does your cleaning service stay at your units  long enough to wash/dry the comforters before making the beds or do you have a second set that can be put in the beds right away.  

Looks like you have a lot more room for a proper sized dining table.

I am not comfortable doing Flips or Rehab while I live in Hawaii, I would rather do my first few investments in the Texas area, then when I get more experience I can go out of state.

I like your planting trees metaphor - it comforts me.

Hard Money Lending: Hard money lenders are generally comfortable lending to LLCs, especially for investment properties.

What's at risk is it may not cash flow and renting is not so common in South Jersey, but I would feel more comfortable investing in a good area where schools are decent to good, and tenants are likely to care more.

Credit score is acceptable, he has no evictions, have enough income to cover rent comfortable. but then i am here as it's useful to learn from others experience for this kind of profile and background that I have no experience with.   

I send tenants to collections because I get the comfort of knowing it sits on their credit report for many years and prevents them from getting loans or cheating another landlord.

Get comfortable with being uncomfortable. 

The second series was just established at the beginning of January and after going through all the steps, FCB stated they weren’t comfortable with the series and did an exception for us the the first time.