@Mary lou L.I'm 54 yrs old.My father passed away when I was 21 and my brother was 20.Parents had some properties that we had to tend to.We  1031 exchanged some into other properties.Bought personal homes and then rented them out after moving on.Didnt get real serious about building wealth until 2006.I was 45 yrs old then, realizing retirement yrs were right around the corner.We accelerated real estate investment to retire comfortably.Accumulated 8 more rentals,flipped some,and started private lending.Yes I wish we were more aggressive in our 20's and 30's.But we didn't have anyone or BP to to teach us what or how to do it and why it was important.Lord knows our educational system did not teach us about wealth building for retirement.We learned it ourselves and and a lot of times it was the hard costly way.So in order to keep history from repeating itself we are consciously trying to educate our children and other youngsters  on the importance of financial literacy and the implementation of that knowledge.Father time stops for no one and doesn't care how you spend your life.It's up to us to create our financial future no matter what age we start.Good luck to all us old farts and young farts.

So, yes, the USPS is closing locations and will probably accelerate this activity going forward.

My fiance's income will be an added bonus that will accelerate the plan but she's just getting back to work after taking care of our daughter the passed 6 years.

In other words the loan could get called and accelerated.. it happens but not often..

Making mailings is one way to find good deals, but the return on a mailing is very low and expensive.Doing a mailing campaign is a passive way to market for deals - If you want to accelerate your potential to make money in this business, I would suggest using active marketing ---Farming - looking for vacant, ugly houses - tracking down the sellers - make an offerSit in your local rent and housing court - no body wants to be there - great place to find burned out landlords who will be glad to discount their property to youExpired listing - these are sellers who have a property that did not sell - you can make their dream of selling a realality and profit at the same timeRather than licking stamps, designing silly yellow letters or post cards, stuffing envelops, buying postage, running to the post office or sitting home waiting for the phone to ring -- you'd be lot more successful by entering your market and doing peo-active marketing for the gold nuggets you are seeking.

I try to get enough of a discount so my 'yield' will be 8% as well.Not even I am accelerating any long-term, fixed-rate residential mortgage at 5% or below.  

Can we take the section 179 accelerated deduction (100% I believe) for the tenant improvements though the medical practice (like an expense to the practice)? 

Institutional lenders may require life insurance on a borrower, another example of differences, they may require annual audits and accelerate a loan in the event of any significant change in financial position, another example, if a borrower went out and racked up debt in another project they can call the loan due. 

My living expenses are presently low, but the idea was that to save for what will be a reasonably low down payment, I might accelerate the process by using my credit card.I should also have stated that my credit card has 0% APR for four months, so I will likely be able to pay it back down before getting crushed by the interest.I appreciate your input, but automatically jumping to the conclusion that I'm a completely uninformed, irresponsible, over-leveraged consumer is a bit out of line in my opinion.

My math brain agrees, but my risk meter does not.I am aggressively accelerating my commercial apt building loans.