I am using a paid background check and call employer, current landlord.  

I am using one to purchase a 6 unit here in Cicero, IL right now, so I am practicing what I preach!

I have tried to look for colleagues where I am at and it says I can not search people outside of 5 miles from my zip code without going pro but I am using my current zip code.

Amused by post #1 and others!

It's called arbitrage, the bank is loaning me money and making 6% APR on it and I am using that money along with my cash (20% of the purchase price) to earn 45% ROI on the property.I don't care if I'm renting the money from my bank for the first 12 years, the people that are renting my apartments from me are paying that rent and paying for the up keep of the building, and paying the utility expenses, and paying the taxes, and paying the insurance, and paying me money for my time to work on it, and leaving cash in the bank called profit that I can use to grow the business.

My ultimate goal is to build a mostly self sufficient process where I am using as little bank lending/HML/PML as possible.

In my real world scenario, I am using a loan and no money down, however it's still a cash deal.

I am using the Florida bond program that gives you 15k for down payment and closing cost assistance and under that program I use a HRA loan at 4.5%.

The owner claims to bring in $50k annually through selling parking tickets to amusement park customers.

The market is different from what I am used to in the sense that values can change block to block.