My credit is average and I have about 13,000 in consumer debt.

The added fees, and compliance regulations have almost eliminated small independent investors, and financial institutions from doing mortgages, and in return have actually created worse situations for many consumers.

Most people consume, consume and consume while getting paid twice or four times a month from a job.

short supply  so if you buy those were there are jobs seems to me its pretty safe bet.but then we are all just one major incident away from some sort of consumer sentiment stopping sales. 

This way if it was more time consuming, we charge more, but at the very minimum, a $150 fee will be charged.When factoring the cost, make sure that it covers the minimum time just to make it worth it to someone to do the work. 

For example, your credit cards and car loan could go to $0 while your LLC pays down a business loan that won't appear on your personal credit reports.It's difficult and time-consuming, but can be beneficial if you plan to enter the commercial real estate lending arena in the future.And in commercial you can add the target property's income for qualifying!

Kind of like how MSRP is meaningless for many consumer goods.

I have been consuming as much information in the past two weeks as possible on this site (and others).

Both of my grandfather's had single family rentals in their younger years and have encouraged me to look into rentals, which has lead me to Bigger Pockets I've been voraciously consuming old podcast episodes, the last few webinars, forums posts etc. 

Yes, it's learning the loan docs that's going to be the more time-consuming factor.