But Focal is making more money than my kmart headphones.I would like to go into real estate on a focal level.So the question is: which niche market has the highest returns in real estate?

Even in up and coming neighborhoods, you can find vacant run down houses and turn a "quick" 20-50% return.

You would borrow against the equity at 7% or more, then use the money to pay off a credit card?

Since hard money eats into profits, consider private lenders, local banks, or partnerships for lower-cost funding.

Hello,
Im working with a lender to refinance into a Fanny Freddy mortgage now that I have stabilized my 36 unit complex.
They have asked for a CAPEX schedule, and a T-6, in addition to the rent roll. 

I imagine a...

Of course, we have been on a bull run for a while here.

Are you familiar with Creative Financing such as Subject To (SubTo), SubTail, WRAPS, Short Term Lending, and Bridge loans? 

I want to make sure I will not get scammed out of my money (has happened before).

Because prop was vacant, I assumed its the furnace, as its the only thing that was running. 

.: Congratulations… In the long run it should do well.