As a disabled person, I want to be in real estate, but I know I am limited. 

. =) It's literally the most transparent and traceable transaction medium mankind has ever seen lolThe transaction can be traced, but not the person.

Germantown has plenty of opportunities, especially if you keep an eye on areas with improving infrastructure or schools.

Your personal loan has a 5 year balloon period.  

Right now, I’m seeing max LTVs closer to 80% on purchases, though before COVID, we sometimes went up to 85%.Also, keep an eye out for lenders who promise amazing terms but demand large commitment fees upfront.

Personally when buying rentals I tend to buy in neighborhoods that I feel like I wouldn't personally mind living in and when I look for tenants I try to look for people that not only pass my screening but also I personally don't dislike.  

You have already admitted that you treat each person differently. 

For commercial multifamily, my personal preference is agency 10-year floating-rate debt. 

My personal opinion: he's not the only one "doing it right" but he's definitely on the very short list of those that are.Just my .02note: I don't participate in his deals.

Good morning @Cosmo DePintoHuntsville is an exceptional market where I’ve personally seen investors’ portfolios thrive.