After making myself nuts with complicated spreadsheets I now use very simple math because for the average me - it doesn’t matter. some of the inputs depend on being right in the past and future - like vacancy.

It is kind of nuts! 

They're builder grade compared to Lennox or Trane.If you want to save some money use another brand that Lennox owns like armstrong air or ducane. lennox is owned by allied air and allied air owns a bunch of other brands that in a nut shell are a lennox unit with a different paint job. 

But if a squirrel does not store his nuts before the winter, he will starve to death.

@Edwin Ortiz Step 1) Google map search look for small banks and credit unions just like you plannedStep 2) find what looks like a small bank with as few of branches as possible Step 3) go to each respective website and find banks with 3 or less branches.those people will be very agile and look at the nuts and bolts of what what you got.

Investing passively in a few deals will give you great insight into the nuts and bolts of larger syndication deals.  

I will pick low hanging fruit if it tastes good.

Cleveland (and its surroundings) are really fruitful right now.

I have not found too many single family properties in the burbs that will cashflow, I suspect its because the competition in the good school districts for single family is absolutely nuts at the moment, so you end up bidding against a family that wants there kids in the nice schools and will pay 20K-30K over asking.   

I’m an investor starting out and when I tell co workers, friends, and family what I’m trying to do they automatically assume I’m going to fix and flip and when I mention wholesaling they think I’m nuts.