Second, I can literally count the number of "friends" who visit me at my home on my fingers.

You would literally have to call each and every bank to find out the rules to each and every portfolio loan out there.I'm putting this information here in case it is helpful to you in some way or if someone else stumbles upon this topic.

My commercial construction license was literally a $12 fee.

You can literally call all the banks around to see what their terms and conditions are to find the best HELOC. 

My cost of renovation was literally 20% of what was quoted by contractors.Many people will say that you should get others to do the work. 

It could literally be $100,000 or $0 depending on how good your deal is.What I would do is negotiate the best deal possible, then find out what the market is looking for in terms of a minimum return.

But there's literally nothing I can afford that cash flows in LA, and it's so pretty..

You would literally have to call each and every bank to find out the rules to each and every portfolio loan out there.

Family -also many teachers- Finding it just difficult to encounter anyone with extra money in my circles-or just any money ; ) Current deal - I’m literally buying the house across the street from my primary as an off market deal.

It literally takes an additional 5 secs to email the created invoice to the tenants.