I’ve also significantly reduced the number of expensive drinks out and generally have switched to just an iced tea at McDonalds for $1.51 if I’m craving a drink on the road.

It actually sounds like they were trying to address how a recent wave of inexperienced investors are trying to do novations.

I went into the course assuming I was paying $10k for a streamlined acquisitions process but what i got was two days of narcissistic self-aggrandizing guru garbage, a “mind map” that looks like it was thrown together, 34 “strategies” that can be found for free on BiggerPockets sprinkled with juuuuuust enough guru gimmick word vomit and hand waving to impress the eager and inexperienced, several of which were repulsive and absolutely predatory..Instructing students who get their offers turned down by a seller to walk out of the appointment, get in their car and blast out the property out to cash buyers anyway..  

I'd give this article by David Greene a read: https://www.biggerpockets.com/blog/core-four-real-estate-tea...

My expectation for cash flow from this property is $33,000 less than the inexperienced investor and with this knowledge I become more conservative in the amount I’m willing to take on for servicing debt.in smaller property deals the prices are being bid up too high by inexperienced investors not accounting for these expenditures when calculating expected cash flow.  

He has a Zinus Green Tea at his apartment that used to be in his bedroom and he is sleeping in the guest room.My brother in law went on hospice 2 weeks ago so we might have my sister in law move in with us until she goes to live with her son in San Diego so we needed it.

Credit Union #2: I think the only reason to really consider this one (I don't think the slightly lower points makes that much of a difference) is if the above two options both passed on the deal, a possible reason for that would be (ahem, guess why I am saying what I'm about to say...) an inexperienced management team trying to justify this refinance based on only 6 months of financials (rather than say a 1-2+ year track record of success, or experience with other facilities, etc).

The core 4 is David Greene’s long-distance investing strategy and consists of a realtor, contractor, property manager, and lender. https://www.biggerpockets.com/blog/core-four-real-estate-tea...

I have saved a few fall out deals from some desperate brokers, but they have very low production or are inexperienced.

So, I'd caution against inexperienced syndicators.