If so, and you can find time to start a side hustle that can generate some income (even if $100), you can rollover your pre-tax IRAs/401k into a self directed 401k.

Keep in mind that all this time we were living with my parents paying them rent but saving/starving to score our next deal. 

This was my first time buying a property solely for an investing purpose, and Melissa Justice was the person that I was connected with to help me pick out properties.

They preach that its not about the Real Estate yet there is alot of time spent on the real estate itself.

Now you know what to look for next time.

Make sure it would be someone you could learn from in the deal and then I would encourage you to only use a portion (probably only 50k to 100k) of your available capital in the deal.  

There was so much promised in that webinar, including a better price and much more than one would normally get for that price, but each time I try to do what they were showing that was so cool (and it DOES have cool capabilities) - it's an add-on.  

The challenge is that non-government jobs are often short-lived.

Expense ratio, as others have stated, often ends up evening out these fluctuations in each expense and can often times be a more accurate predictor over many data points.

We've provided this proof MANY times and had cases dismissed against our clients.Your PMC could have handled this better, but since you took over the process, you probably have no case against them.