Hi patrick, Thankyou for the reply, and sorry for my late one.I personally am looking to go done the route of BRRR of houses and flats, and then eventually blocks of flats.My main reason for picking this route in property investing is because I am a sole trader as a Plumbing and heating engineer, do I will be able to do most the work myself.I'm not to sure what REIAS,Cheers again 

I can't believe I'm asking this, but... where can ex-cons find housing?  In an attempt to not discriminate, I'd like to at least refer this person to an appropriate resource.

Lenders are also known to re-trade rates and terms mid deals .

Would you trade rates and points for service?

So for ex. if you’ve 100 payments left & have missed 6 payments - you will now have 106 payments.

I only provide Coffee, fresh croisants, 1/2 1/2, and some trader joe's sweets.

I did lend money in Canada as a HML and that worked out.. as not only did I make my return I made a very nice delta on the exchange rate arbitrage IE when I made the loans the Loonie was quite low when I got paid off the loonie had jumped 10%.. but I am not an expert or a currency trader .. just a little one man HML er.. picking nice little loans in the Okanogan. but what I did not realize also in Canada the default process is not where as friendly as the US.. ergo being the bank in Canada you take on some risk that is not present as a US lender on US assets.

We get excited when a new business opens and we are still hoping that one day they'll put in that elusive Trader Joe's in nearby Auburn :-)The service sector is a large employer.

Trader Joes, Sprouts, Whole Foods tend to be in the better neighborhoods.

(In general) it is just as hard work to "make a killing" in real estate as stocks, as commodities as a bond trader as...