@Zack Whiting Id change your mindset of real estate investing being a hobby and making it a more serious part of your life.

As long as there is real estate, there will be scammers.

Rent is paid on time, and no problems with the general inspections at the beginning. 

I’m a Portland-based real estate broker with Keller Williams, and I love helping investors find great deals and grow their portfolios.

A cheap place to get to and stay, with good weather and plenty to do, especially for spouses/family that may be less interested in real estate. 

I'm also a real estate bookkeeper.

Shes carrying 60k in debt from student loans as well as cc bills, but she makes payments on time.

I don't know about you but I am constantly on the hunt for consistency, consistency of income, of deals, of productivity, in my relationships...so that's my focus in all things not just real estate.So my vision to your question is a a state of total consistency of income and deals.I'm focused on the basics, which to drive me is even more specifically "making offers."  

Does anyone have any recommendations of first time home buyer grants or down payment assistance programs for New York State?

For real estate investors and developers exploring Carlsbad, SB-423 offers a streamlined pathway for multi-unit housing projects.