Kentucky really is a diverse place with a wide-array of real estate investment opportunities. 

You can search population growth, employer diversity, median income, crime rates, future development plans, population demographics, average rent compared to housing cost etc.

With more collective experience and diversity of opinion there is quite likely to be much more material here in the coming months.Great job.

I would have separate sites if the topics are too diverse.

But the gains are definitely outweighing the losses, and I am working in smaller numbers and with a diverse portfolio while I gain experience, knowledge and confidence.  

Among them are:-Credit Score-Derogatory Items-Inquiries-Credit Maturity-Credit Diversity-Credit Report Aliases, Addresses, Employment Accuracy-D&B Score-Experian Business Score-Equifax Business Score-Revenue Documentation-Assets and Liabilities / Net Worth-Debt Coverage Ratio-Revolving Debt Ratio-Time In Business-Type Of Business (Real Estate is a red flag for many banks...you need to find the right one)-Secretary of State Validation-Phone/Voicemail Verification-Address/Phone Directory Verification-Website, Email-Bank Theatrics (How you perform on the phone)Are you looking for a specific type of financing or a bank that is flexible and will loan on different types of projects?

- Huge capital replacement reserves - I have worked with Fannie loans and thought I was accustomed to the capital replacement reserves, but apparently HUD loans look into the entire duration of the loan when calculating the replacement reserves; so if I took a 35 year loan, the HUD officer would take into consideration all the windows/doors/capex that I would need over the entire 35 year in coming up with the capital reserve requirement- Pricey annual audit - for an apartment building and loan my size (65 units/ ~10mm), this would run me about $10k a year, just another cost to take into considerationDarryl is right, these loans are suitable for large entities with larger and more diverse portfolios.

I have a diverse background in marketing and advertising which I know will definitely help my success in real estate.

As our goal is for early retirement in 15 years :)You will love the diverse community and all the resources.

Offer little cash and some of your diverse notes which actually gives seller better flexibility in case he needs to generate some emergency cash and won't have to sell all notes.4.