It's just that, if so, your sarcasm may have been lost on @Carol Donaldson; maybe enough for her to want to continue jumping up and down about that?...

We should have put a renter in the property to cover the carrying costs of the mortgage but the investor wanted the property sold and a tenant can make that challenging so we continued reducing the price until there wasn['t any profit in the deal.

We manage our own and plan to continue as we acquire more.

About 5 years ago, I decided to get my RE license as I kinda predicted legislation being put in place against wholesalers (which slowly seems to be happening) and my thought was if I was licensed, I would be able to continue marketing to home owners (not to assign, but only to purchase for my own flips/rentals) So, I'm seeking guidance on a business concept that encompasses my knowledge, experience and licenses.

Just make sure you continue to do so with proper docs and to non owner occupied borrowers.

Repair my credit, build capital with W2, continue to educate myself, make smarter and educated steps.

Time is running out Wife and 3 Children LIVE in the home and want to CONTINUE to live in the home as the Children are entering or in High School(a painful time to have to move or relocate for all) - YES lots of emotions all around involved.

When I had my property management company (and the people I sold it to and manage my properties continued it) the policy was late fees are split 50/50, which I think is the ideal scenario.My rational was it takes more time and effort as a PM to collect when a person isn't paying, and at the same time the owners might not receive the rent when they should, so 50/50 compensated us both. 

By implementing these strategies, I have been able to break through barriers and continue progressing in my real estate investing endeavors.

Started with a 5 bedroom and continued on to another 5 bedroom.