hardly a day doesn't go by where i have a college grad who majored in art or english lit or biotech but what does he or she want to be?

@Julian Buick  FCI is just posting individuals notes they don't own them. they will service them.. you can make bids on them ( IE low ball them )its extremely simple on the west coast to find notes... remember our title plants are state of the art ,,, not like a lot of states in the mid west and east coast.. another words you can search the data bases that are duplicates of the court house with key strokes.. ( ie west coast title plants)  all I would have to do is call my title co customer service agent here in Oregon and tell them I want a copy of all recorded DT's that are not institutional..

I am not sure at this point if I would like to spend my energy to seek the right partner, instead I am willing to spend that time in learning the arts of the trade myself.

Do my numbers make sense or am I being too conservative or too liberal with any of them?

The day I left my JOB & decided to continue working for myself and building my company full time was one of the most liberating days in my life.

The two biggest markers of success from what I have experienced and seen in my clients is setting yourself up with a low maintenance  home and a low maintenance tenant(s) and there's an art to that. 

Some may be more liberal but require a full-recourse loan, some may count 75%, and some might not allow it.

They love the flip life for the art of the deal and instant gratification of cash in hand.  

Although getting your license is  not required, It is liberating.  

I've always been under the impression that if the landlord provides it, they cover it.It doesn't matter what I state in the lease as a convenience or the tenant is responsible.I live in liberal Massachusetts, a very tenant friendly state !