There's a little bit of the wild west mentality out here in the BK trustees in oil country.

Ideally I would love to meet up with investors nearby that share a similar mentality as me (different is o.k. as well ).

Keep that positive mentality and great things will happen!

I am currently a Licensed Mental Health Counselor in the state of Florida.

Example is if I am at 80% LTV on asset I may be at 1.35% DCR but to go to 85% or 100% LTV if permitting, I would personally need a much higher DCR depending on risk as viewed from a market and property level, as an example I would atleast 1.50%-1.75% DCR.Some people may look at it like the above with Debt Coverage Ratio (DCR) on the individual property level or they may look at it from DCR as global cash flow perspective with all personal income, business income, properties, notes, and other investment cash flows or cash flow activities net at the end of the day and stress test that to make sure the debt provides enough mental, emotional, and financial safety for the given increment of additional risk by borrowing X dollars.I would love to hear other views on how debt is managed or how debt preferences are formulated.

It's a painful mental hurdle but if you can get out of negative cash flow to get into positive cash flow then you need to get over it.

Rule breaker mentality.

Your challenge is to find and keep that mental state which motivates you to stay focused on deal flow and problem solving.

I figured out how much I had to work and worked 21 hours a week doing this job while in school (which was mentally taxing - 50 calls a day).

I started in my 20's and made some irrational decisions, that had cost me financial and mental heart ache.