I have been on BP since January, consuming podcasts and digging the forums. 

I have been consuming knowledge for over a year, and it's time to finally pull the trigger!

Plus, it's a lot less time consuming.

All of the time consuming task that are least profitable

@Linda Shand  anyone based in CA MUST BE LICENSED TO LEND.. either CA real estate broker  NMLS or consumer finance license if the company has none of these and is based in ca... then they are not acting according to the laws.. and that in its self is a red flag .. best to go local for these kinds of loans what does a guy in Rancho Cucamunga know about Mobile AL...

Some of those banks will also have retail operations, but generally you will get a better rate/fee combo through wholesale (the dozen loans per month mortgage broker gets volume discounts) than if you called that exact bank or lender directly (average consumer gets 1 mortgage every 3-7 years + marketing budget needs to be baked in).

Some lessons learned, ownership is expensive and time consuming, roommates never want to help with house improvements, and make sure to include the income on taxes.

Up to this point, never had any reason to Contact anyone with Bigger Pockets but, just found out there is no number to call, or do I have this wrong?Problem is; hoping this is just a mis-understanding but, $147 has be...

Take those away or lessen them to reduce my taxes on ordinary income takes away the best opportunity that I have as an individual in the poor and middle class to financially succeed and it puts me in the daily grind where I have to be at the whims of market forces and other people's selfish decision making for my financial future.I am not a billionaire or corrupt...that's class warfare that creates divisiveness, which does not create opportunity for any of us in any class.There are consumers and there are investors and that is driven by each person's personal decisions.  

I've heard a great deal on the emphasis of having a good consumer FICO score, which I do.