Thanks for this effort to share how to save a bunch on interest paid. 

Would you share 3 specific things I should do during my "training period" (if it includes a book, which one)?

Hi,Thank you for sharing your experience and insights from being in the private money lending (PML) and hard money lending (HML) space for decades.

Owner occupied united increased by 8.4%"Still, although the overall share of households that rented decreased, the number of rented units increased by over a million units (43.3 million to 44.6 million)."

I have looked on the Arizona real estate website and all I could find was the addendum, I would really appreciate if someone here already has that contract and is willing to share it with me that would be great.

@Chris Seveney - Chris I know you know this, but sharing this for a lot of less experienced investors out there. 

If you’re willing to put in the work and learn the nuances, it can be a great place to build a portfolio.Feel free to reach out if you’d like any pointers or resources—I’m happy to share what I’ve learned from my time investing there.Best of luck!

@Tim Delaney is an investor in the Buffalo market and shares many of your views on its long term potential!

Ask them if they'd mind sharing their experience with you.. if they'd recommend the area or not, and lastly if they could maybe send you a P/L sheet to see their income, expenses etc.You might run into some hosts that aren't responsive or any help, but it just takes a few people to share insight to get a good idea of the market you're dealing with.

Thanks for sharing!