Once they get you on auto pay you're stuck paying for whatever bs they claim to do.

Its certainly not "guaranteed return" - thats a word to always stay away from in real estate (in finance or even investing in general)high level - its because HMLs are going to be secured by the real estate, meaning in event of default, the lender can get the property to be made whole - somewhat trust is involved, but thats the main mechanism behind it

I wouldn't remove auto-pay on your utilities from your credit/debit card if you have them, don't want to miss your electric bill by accident but any daily/casual/somewhat necessary spending is cash.

I use Auto Owners Insurance.

I called them and found out that the miles needed for a Christmas trip I booked for my son and his wife went down (pretty substantially I might add) and Delta auto adjusted my miles.

Exploring wholesaling and land investing is a great way to break into the industry, and your focus on value-adding strategies and modular housing shows you’re thinking creatively about how to address market needs.Your entrepreneurial background in auto detailing will definitely serve you well in real estate, especially with your attention to detail and perseverance.

Mention all of the pros of the property (mechanicals, rent amounts, location, etc). 

Mechanics of the fund:Lockup periodDistributionsCompliance requirements (KYC, AML)Reporting timelineFee structureCan you share referrals?

My four adult children are out of the house; so, below are goals for our 11 year old and me.Read 15 minutes per day and log it.Set limit on daily electronic use.Clean up after himself (toys, push chair in, dishes, clean bedroom, clean car).He plays sports and has a few tough baseball goals that he works with me on (inside/out swing, pitching mechanics, 3B fielding). 

They're really good at the auto messages thing.