One visionary comes up with the idea and creates an ingenious product, but later generations will always have the advantage of hindsight and trial-studies from which they can improve their design.It's very difficult to say where the whole space will go. 

AS John points out, yes, we do have LOC products for investment properties in Texas.

He's out of Rochester, has lower limits for DSCR but also has a ton of options for loan products.

Fourth, as the years go by, and the mortgage is slowly paid off, the returns begin to slow as the effect of leverage fades.

Also seen this market slow down back since April.

Most of them are not specialists in the way that youre thinking - they're retail employees with baseline knowledge of the products in that area.

The thing is I want to invest in real estate because it could help me pay off the tuition faster but it’ll slow down my wealth growth.

Simple, get the book: "Lend To Live".It's "the Bible" of the lending business and it's featured here on BPhttps://store.biggerpockets.com/products/lend-to-liveMike

I agree with this high level (Private Money = Individual, Hard Money = Company Non-Turnkey Product).I've been begging (mostly to no avail) for better clarity and definitions here for these to avoid confusion - BiggerPockets IMO has a HUGE opportunity to set and create the "gold standard" universal definitions of loan types with just a little initiative. 

Traditional banks tend to not have this product.