She's afraid that my debt/income ration might not go through with the added HELOCI make 50k a year with no other debt (house and cars are paid off).

Many ppl are afraid of losing their jobs, healthy insurance provided by the corpation for the family definitely weighs heavy.

Don't be afraid to use seller financing, it's still a good option!

Send them a letter or google them.google has a wealth of info on individuals (you'd be surprised).If your not afraid of being leveraged.....look for distressed properties where Hard money numbers would make sense (Less out of pocket, especially important once you have 4 mortgages and have to put 25% down instead of the standard 20%).

I would like to sit down with him to express my motives to become financially independent but I'm afraid that it might hurt our relationship.

I'm sure you have a lot more insight than you know - so don't be afraid to jump in and answer questions (or ask them.)

Definitely don't be afraid to ask as many questions as you want while moving forward with your investments!

I'm afraid that if I ask for an app fee, people in this area are going to look at me like I'm nuts.

Stay active here and you can learn a ton, and don't be afraid to ask questions if you cannot find what you are looking for.

Since I try to due most of the work myself (keeps me busy), I do not do many deals (maybe 1 every 1-2 years), but I'm not afraid to take a chance.