Not only do most investors spend too much time sitting behind a computer polishing off their fancy excel spreadsheets, they rarely walk properties.

@Susie Lowe it is difficult to find real opportunities unless you have boots on the ground or a close relationship with a commercial broker or wholesaler.

The law requires disabled persons to have a minimum 30-day relationship with their licensed mental health professional (LMHP), who must be certified to practice in California.  

Banks and credit unions can also offer flexibility for investors that engage in strong relationship-building strategies, offering discounts and solid loans in exchange for borrowers willing to use the institution for other purposes (savings accounts, etc.).

While qualifying for a HELOC is dependent on your home equity and your credit score, good or excellent credit makes it easier to qualify.

I am a veterinarian and absolutely love my career, however I feel strongly that real estate could be an excellent side-gig or even perhaps a great way to move into a second career whenever I'm ready to retire from veterinary medicine. 

Or is there no relationship between an investor's experience and the submarket? 

I had to learn to establish relationships with people in the real estate investment field prior to purchasing and building.

I just started applying for lending and have excellent credit with zero debt so it shouldn't be a problem. 

We do live here and self-manage and have a great relationship with our tenants.