I have come to the realization at least for me.. is they just give you the plans and if they are not kicked back fine they dont have to do anything else if they are they will address it at that time.. thereby costing us time and money.

This is the harsh reality (at least for me) to get where you want to be.

But, for me, something didn’t sit right.  

For me the answer was, it's more work than I want to handle with little children and I'm not outperforming S&P 500 well enough to be worth the effort.Side point, if you are going for cash flow, you are eventually move to paid off properties so you are managing 20-30 not the 130 other people are quoting you. 

Forming little groups in the background to down vote certain individuals comments based on skin color, or religion, or perceived political leanings seems like something we could all do without on this forum.

Asking in the correct forum will get a better response.Need a spreadsheet or form?

Sad that it only lasted a few months before default for me but those are the risks.

These referral services have you add property info, photos, etc. but then send your info to the listing agent who does the work (and gets paid by the referral service).Here's the catch: The actual listing agent is going to need to send you the real listing input form for your local MLS.

Bank would not do HELOC for me because I already have their maximum number of mortgages.

If the credit items reported are up to date with no late payments that is generally good enough for me.