@Eileen WangI'm happy to help, and I'll gladly recommend anyone I've had a good experience with like rent to retirement because I feel it's actually quite rare to find people that really go above and beyond for customer service. 

You need a sales process that addresses both if you want to be able to help both customers. 

I tell our customers all of the time, when you're steadily pursuing highly distressed leads with this criteria it's not a question of if, but how often you will contact the heir to a property who either didn't realized they owned, or they though the property had already been auctioned off by the bank or county.  

If you as LP invest at bad market time in good sponsor, the probabily of losing money is still 70%, if you don't invest at bad market time, your chance of losing money is zero percent.This is why at the end of the day, investing at public stock index or REIT would be better to customer as stock price is reflecting the actual condition due to its financial transparency.

That's a giant red flag for that grocer potentially declining to renew their lease, vegan gluten free customers don't want to walk through a cloud of cigarette smoke to get to their ethically sourced non-GMO organic avocado, and obviously the "no smoking within 50 feet" sign is going to be ignored by the customers of that neighboring business, who are all a bunch of smokers.

Customers with good credit end up paying more when they use a "Broker" or Lender who are simply the "middle men".The other thing is there are new programs that only require 15% down for 2-4 units and almost all lenders and brokers require 20% to 25% or more for 2-4 unit multifamily investment purchases.

Also, I think it will be difficult to not have the buyers try to turn me into a custom home builder if they're securing the loan.

I work with mobile home dealerships and many of their customers end upgrading to new homes while selling their used homes.

When I was working for banks and did financial planning for customers, we used 3.1% as an assumption.

Steve Ellis is absolutely incredible, his customer service is hands down best in class.