Time is money.. longer the note period is to payoff the less your going to get for the note. 

They're frugal with money and invest wisely.

I talked to numerous California investors in real life and phone/Zoom calls who have lost money in far away OOS markets, mostly Midwest markets (e.g. repairs, capital expenses, bad tenants, properties vandalized while under renovation, evicted tenant stole all the appliances, property managers with high fees or overcharging for repairs).

My thinking is this:1) Spend your money making the unit nicer, not investing in machines that will need service calls.

I owe approx. $40k in arrears on each.

Quote from @William Causey: When choosing a private money lender, how do you weigh the importance of flexible loan terms versus fast closings?

Also, starting my journey in real state investment made change my mindset and since last year I have been more disciplined on my finances and I have been taking better decision on how I spend my money. 

If you sold it, what would you do with the money and how does the return compare to what you get now (factoring in the amount of work/stress with each option)?

I bought my first property in North Jersey at the peak of the 2006 market - came to the closing with no money and walked away with $10,000, still own the home to this day - and it's still possible do near this today - so, it can be done with $50K or less (doesn't mean you should do it that way...) 

Well I’ve been building houses all my life I just turned 21 back in October and I’ve been wanting to get into investment properties for awhile but nobody around where I live does it or if they do they don’t want to give you insight or advice and I’m just nervous about losing money igWhat's the struggle on the four-plex?