@Emeka Okeke, the biggest thing is actually doing it.  

Nobody is asking anybody to give up anything.What I am trying to ask is: from my experience, there is no positive cash flow that actually is really positive.

My actual experience has been very varied.  

I'm actually considering that Sub To community now.

My family actually have some properties in FL, and I have also researched this area quite a bit and I saw it might fit my strategies. 

For those interested, a combination of mortgages with no “due on sale” clause, mortgage companies loose due diligence, and title insurers willingness to “turn a blind eye” to practices that wouldn’t pass scrutiny now, resulted in tactics like the “second mortgage crank” which not only allowed investors to purchase properties with no money out of pocket but allowed investors to actually walk away from closing with “cash in their pocket”.

If so, I know credco for us sends someone to our office to make sure we are compliant.When we boarded on the IM side it was intense but I actually am glad to go through that process, it means they are serious about compliance.

Is just the fact that no garage could be a no go for some buyers enough to build it even if it only raises the value by the actual cost?

Hi Penny i'm actually an investor that resides in Odessa as well and my realtor actually just sold a duplex recently and in that area they have several occupied duplexes and some for sale.

I'm actually not familiar with Privy at all!