But imagine, an employee calls of, then you will have to go and be a substitute for that employee if no other employees want an overtime?

What it comes down to is this: there is no substitute to being informed and having experience in what you are doing.

This is because VA loans are tied to the borrower’s personal ability to repay and require a creditworthiness review.VA Entitlement Consideration: If you’re assuming a VA loan, the original borrower’s VA entitlement may remain tied to the loan unless you’re a veteran eligible to substitute your own entitlement.2.

THEY will explain it to you.No one is saying to substitute anything.

Have you ever thought about getting 0% on one property and substituting the collateral to a great property?

It's not a substitute for a true return rate.

Main draw of course being family (esp Grandkids :-)But substitute AZ for NV.....or maybe I should look at NV ? 

There's no substitute for the power of time - compounding interest, appreciation, inflation capture.

I think there must be some organization that has this canned business model ready to go and approaches people who have names / followings and offers to implement it for them, given the near absolute uniformity in the advertising, and the convention / sell / upsell structure with all the exact same sales tactics, just substituting out the guru for the flavor of the week.

Love that you are coming to the market to interface here, nothing can substitute it in my mind.