It may even be higher than 5% depending on the area. 

That way, you know that they at least speak your language since they're a premier agent on this platform.

Been late on rent.

After that's under control, focus on increasing income through additional work at your current job, taking on a side hustle, or finding ways to increase income on your existing rental.At the same time, educate yourself.

Security company on retainer. 

Hi Raymond,I’ve been working with investors on Fix-and-Flip projects in Florida for over 20 years, and I’d be happy to share what I’ve learned.

if i were to acquire these and have them be owner financed, I would want clear title and the other mortgage on this lot removed - especially if my loan has a balloon on it that matures prior to the existing loan, as how would to provide clear title?

Best advice: don't get emotional about a deal.Found first deal on MLS, but have found stuff on FB, Nextdoor app, and even yard signs! 

At this point, I'm not so concerned about achieving that exactly, but if my REI journey takes me there on my way to (or even after) financial freedom, then I'm all for it.There's still some work to do to prepare financially for "the first deal" and that moment legitimately appears to be about 2 years away. 

Additionally, while rates aren't historically bad right now, they are higher than 4-5 years ago, and they will be even higher for you as an investor than they were as an owner occupant, which is what you were when you bought originally.I get that you are anxious to add to your portfolio, but that could be achieved without touching your first golden goose.Sometimes on BP, the push is to leverage every last spare penny, but that can be a risky game as the markets shift.