Using SDIRA's you have to get second tier financing options because its more risk for the bank, for example, a Roth IRA can buy real estate on leverage, however, will need a non-recourse loan which is often a fraction high-interest rate and lower LTV.

If small business ruled again, margins would be a fraction they are today, thus providing the service/product at same or better quality, for same or smaller cost to consumer.     

take it a step further to the "cash flow markets" where you see folks on BP talk about they just invest for cash flow and don't care if the properties go up in value.. we know what markets those are they are dominated by investors buying SFRs for rental purposes Not like West coast were SFRs are a fraction of the investor purchases.

In fact, the dirty little secret of fractional banking is that, at least when it comes to lending for RE, most RE loans are net losers for the banks.

Go to trade school for 6months to 2 years for a fraction of the cost of college and start earning a good salary years earlier.

And even at the rate Mexico is going at, it would only serve a small fraction of the valley (and they started doing this in the 60s).

We train for a fraction of that. ;-) Seriously, yes, that would be a major mistake.

You'd be using borrowed HELOC money as the down payment to borrow MORE money on a second property, and they want you to have skin in the game, as well as something stashed away in cash reserves.HELOCs are like a credit card -- at a fraction of the 18% the cards are charging. 

Since you have debt on the property, you are subject to UDFI on the debt financed fraction.

They still teach at a fraction of the price of these slick marketers who know marketing inside and out and jack about real estate.