@JD MartinBig fat no on that one Mr.

There are so many fat bank accounts out there...

When the adjuster went in he said it was the worst he had seen in his 12 years. and I got a big fat check..

What could make a deadbeat hillbilly happier that sitting on their fat butt; smoking a cigarette; working on a case of Bud; all of the while watching their 120 inch big screen TV - ALL PAID FOR BY THE TAXPAYERS?

Trim away as much fat as possible (like trading down in automobile if at all possible), stop dumping money into the 401k for a while, and try combining your desires to buy your own place and invest in real estate by "house hacking," where you live in one of the units of a multiplex while renting the others.

Or just go for the fat cash flow, which one can verify with a simple spreadsheet formula can work out comparably well.

Pigs get fat and hogs get slaughtered. $190-195K looks to be the range IMHO. 

Because the economy is booming, and many people are fat and happy, banks are taking risks again.

Okay, so over-leverage is not borrowing from the bank too much - it's paying it back at such a fat payment which you can't afford. 

Solution:oStop dipping your toe in the water and go ALL IN on one marketing channel (in case you are wondering, Direct Mail is my bread and butter when it comes to finding motivated sellers).oMake one channel Fat, Healthy and Producing Leads first.