I just wanted to point out that there is no magical "creation" of money which some people seem to sell when they talk about cash back.

A lot of REI's seem to focus on wealth creation, but the wealth protection side of the equation deserves just as much attention. 

Finally, population growth projections and job creation numbers.Market(s) - the specific areas you are targeting, within the larger MLS area.  

Wealth creation takes time to build up to considerable amounts.

You can either become a hard money lender yourself, which requires starting a company, website creation, legal assistance, program creation all to find yourself marketing a product that you have possibly little experience in, and potentially losing money for awhile . . .

Account ClosedYou can either become a hard money lender yourself, which requires starting a company, website creation, legal assistance, program creation all to find yourself marketing a product that you have possibly little experience in, and potentially losing money for awhile . . .

Google cities with most population growth and job creation.  

This book is just about the best book ever written on wealth creation.

I’m going to have to agree with the other posters mentioning fractional reserve system leads to money creation “out of thin air”.

I see it as analytics, the creation and capture of meaningful metrics PLUS the evaluation of that data used to make targeted business decisions.