Second but more importantly collecting on a judgement from a person with no assets is tantamount to pulling hens teeth.

We have gone through the exercise of underwriting seven properties - working on the 8th - in the past 14-months, it is just too much a waste of time to have to pull hens teeth to obtain the information necessary to fully analyze a property.    

Since you have the definition of private lender confused, any long term lender isn't going to be a private lender, unless they are idiots, to find those you'll need to ride a unicorn on your quest for hen's teeth. 

My name is Lukas Chen, I'm 23 years old and have no knowledge in real estate whatsoever (yet).

You can cut your teeth as a landlord, but it's on a small scale and more "forgiving".I moved to Cambridge because I had a girlfriend in Boston and hated commuting every weekend from southeast CT lol.

As a new real estate investor I'm not sure it's the best real estate transaction to cut your teeth on.

Just to be clear...the bank has No right whatsoever to prevent an owner from accessing/using their property.  

But what I will say is that trying to get two people who are standing in front of the same clock at the same time to agree on the time of day is like pulling hens teeth. 

And once the puppy starts teething, it will start chewing on things to stop the pain/itching, which can very likely be doors and trim

@Phung N.as an aside, your $50 repair requirement is actually an illegal/unenforceable contractual clause in the state of NC and has no weight whatsoever.