I would suggest focusing on solving people's problems more than trying to sell them.

The limit is "three unrelated people" and cousins are not considered related under this code.

So they would first payoff the first mortgage, if there is a second then $ goes to the second and if anything above that goes to any other lienholders or the homeowner.There are a lot of people who invest in 2nd mortgages because they are cheaper than a first, but in Ohio (not sure all counties) you have to pay off the first at foreclosure so if you do not have the money to pay off the first you are out of luck. 

In regards to your offer, I am always willing to learn more from people who've been there and done that. 

Now some people may argue higher interest rates are good, as it drives out competition on new acquisitions.

I really feel this is helping people find affordable rentals.  

My wife and I have overhauled our personal budget to reflect the 'pay yourself first' approach (allocate in order: income comes in -> invest -> donate -> fixed expenses -> variable expenses -> fun $$).We are looking to see what experienced people generally recommend for a holding tank for that 'invest' allocation while we target our first real estate deal.What financial vehicles have you guys used that works well for this?

James and his people who manage the program are nice and give basic sales and negotiation advice but not much that moves the needle in any situation.

According to NYC, STR is hurting housing affordability just like normal people can buy a house or condo near the Time Square and Madison Garden. 

I’ve been in this space for a long time, coaching and investing, and I love helping people get started.