p.s. thank you @ScottTrench for your guidance as well!

I think you should be paying about 10.5%-12% on average right now, 1-2 points as well, and some lenders will not even need an appraisal.

Hello BP Team,I hope all is well!

A Mentor – I am new to the area and hoping to find someone to learn from and help that knows the area well and can guide me in the right direction.2.

Those are spray and pray techniques that don't fit with sellers right now because sellers/owners are sitting on a very low rate and don't want to move to go up 4-5 points on their rate.Listings aren't a start now thing as well.

My wife and I have overhauled our personal budget to reflect the 'pay yourself first' approach (allocate in order: income comes in -> invest -> donate -> fixed expenses -> variable expenses -> fun $$).We are looking to see what experienced people generally recommend for a holding tank for that 'invest' allocation while we target our first real estate deal.What financial vehicles have you guys used that works well for this?

Have a steady 9-5 job but looking to branch into real estate investing as well. 

We are doing really well, though, and have a lot of options for growth now.  

.- Can't see a Senior-Only complex allowing Short-Term-Rentals (STR).If so, SELL.2) What is the history of Association Fee increases and how well capitalized is the Association for future repairs?

I network with many investors in the scranton area as well as Vacation Rental investors in the poconos!