I have very little faith in the 4% rule, because a misspent youth taught me again and again and again that dice have no memory and I see more and more people investing in broad-based index funds every year.One of the few truths I know about the stock market is that when investment is concentrated in a specific sector of the market, manipulating that sector becomes a very profitable endeavor.So what would it take to manipulate the value of VTSAX holdings?

I would concentrate on learning all you can about investing in Real Estate locally before you venture out of state. 

one thing you might want to consider is what particular niche do you want to concentrate on.you have owner occ notes.. 

In 2017 I only did about 20 deals because I decided to concentrate on improving my systems and the members of my team.

You will certainly be shut out of desirable large Metropolitan areas and wind up concentrating where anyone can do a GRM, CoCR, 1% rule, etc. which are really, non-sophisticated, non-complex calculations.Once you can understand and use IRR, you can evaluate ANY Investment.If you want to evaluate only Cashflowing Investments using IRR as an example, you set up a series of cashflows which only has the `10 annual Cashflows of the Investment over the 10 year holding cycle.

By providing homes to others, you cause homelessness. 6) HOAs are just homogenized forms of oppression and racism supporting the historical patriarchal goal of suppressing marginalized communities by concentrating wealth and oppressing personal expression.

To the OP - I wouldn't avoid Fridley and agree that there seems to be a higher concentration of MF properties in the area. 

Oakland is the neighborhood Pitts is located in, so it is definitely within walking distance, but it is also has a high concentration of college rentals.

Sell th ecar, buy one with cash for a couple of thousand and concentrate on payng off your bad debt.

You did not mention any financial problems but you can put together a Partnership to help you raise the money to get started.You need to block out your daily time to help you concentrate on specific things.