I like to work hard and be independent.  

I'm a Newbie to real estate investing, super excited and abit anxious about the challenge of getting started(beginner nerves I guess).I'm diving in because I want to acheive financial independence for my family through passive income.

Mortgage brokers are independent and thus can give you advice on questions like this that a MLO in a bank branch might not be able or willing to help you with.

In general the site is filled with pretty independent folks that dislike others controlling their capital formation process and thus my prediction is that technology will largely allow active operator/sponsors to bypass the intermediaries in time.  

Each portion of the work scope should be broken down within the draws so that things are done in an orderly fashion, and you should only pay for work that is completed and has been verified in person by yourself or your trusted appointee (who should have construction experience and be independent of the contractor).  

I love my job and it provides me with the freedom I look for as well as good earning potential.I'm here as a referral from a local investor and my goal is to be completely independent from the employment system.

But really I was enabling her, I was allowing her to be responsible on her own and grow as an independent person.

You should do this regardless. 2) Talk to her about the good feeling of being financially independent, and discuss it as a business, rather than an investment.

Not only do you have local customs but you have an alphabet soup of agencies and regulations, not to mention ethics requirements as a licensee and that broker is responsible for anything and everything you do in real estate, be it for yourself or as an agent anytime you deal with the public.....which Jay isn't allowed to do (LOL).Agents are independent contractors, that means the broker doesn't tell you when to work, what to charge (unless the broker gets whatever is required) nor do the tell you how to work but they can restrict what you may or may not do as their agent for them.

I have been in the corporate recruiting world for a year now and see that corporate recruiting is a gig for those who want a 9-5 and aren't interested in being independently wealthy.