More energy than brains but that's OK cause will power can overcome inertia.2. 

The reason I think you are okay putting extra money in your Roth is because I'm a big proponent of hiding money from yourself; perhaps you can set up a savings account separate from your current one that you chose to have a direct deposit to from your current paychecks (only do this if you have the will power not to dip into it).

Will power?

Yes, most have no idea how investments for fix/flips work, but there are a rare bunch similar to myself who not only have the knowledge but the will power to make these type of deals happen.

Anyone can do this, but do not underestimate the amount of hard work, will power and persistence that it's going to take.These are the numbers exclusively for the flipping side of the business, it does not include my holds or 10+ wholesale deals that we did.

My understanding of the market there is that it is strong for the midwest: reasonable population growth, good jobs, solid neighborhoods, good cap rates, etc.Because I'm quite busy, I don't have the time (or willpower, to be honest) to hunt for deals myself, find contractors to renovate, and do all that work myself.

That takes a huge load off the monthly cost even if it means superhuman willpower to fix the place up with a new baby.

Just picked up my third house in an all-cash deal, and I still have my personal loan LoC to use for something else.As long as the borrower has the requisite willpower, I think it's a good route to finance your REI dreams.Congratulations, Tony. 

The birth/death model is a huge friend to wholesalers as it brings in new dreamers, most of which don't comprehend what is truly needed effort and consistency wise, nor do they have the will power or financial resources to get where it makes a big difference in their life.As to the efficient market, I believe it is a distorted market, not an efficient market. 

If you study economies with governments that have no monetary will power, the value of the currency quickly is diluted to nothing.So, what is the little guy to do?