It saddens me to see millions of people strapped to their jobs, trying to protect their holy grail 401K, until they are 60, and then start taking their "distributions", having a couple of decades left to live.

I think the biggest roadblock has been the lack of true testimonials of successful people in these programs.  

When you say you want to prioritize cash flow over equity, you want to watch out for people honing in on that and selling you "good cash flow" deals which will be in D neighborhoods and will come with high capital expenditures and harder tenancies.

Using a HELOC for your first flip can be cost-effective due to lower interest rates, but it risks your primary residence if the project fails.

Common problem, no easy answer:(We try to allow our owner clients to arrange their own maintenance, but have learned the hard way there MUST be limitations:1) They can't hire our people!

My investments are all in the Twin Cities suburbs, but I have helped people with financing as far north as International Falls :) @Jeff Schemmel who do you know in the Duluth area?

OTM = General, overhead/widescreen view of nationwide market tends.BPRE = Detailed ways specific people are making money in real estate.

All lies and manipulation of people who do not see through him.

You're already half way there by asking people what they want to hear.

Some people only want 10-20% of their outstanding lines/debt balances available while the other 80-90% to be in fixed rate notes.