-I make myself and my wife a fruit and veggie smoothie every morning.

Maybe considering pulling out actually.You make it sound so terrible mate :)I won't accept your cheese baskets anymore haha

I think if I can find out where to get listings off market as you suggested, my underwriting would be more fruitful for sure.

it’s all cosmetic. sink basket is sorta leaking, the puddy isn’t holding well. gonna change out the sink basket instead of replacing sink, nothing is wrong with the sink entirely.

However, these properties won't be low hanging fruit.

At the end of the day they're the ones that get the lowest hanging fruit. 

I had a bike with a big basket on the front. 

Because of my limited capital and to avoid putting all my eggs in one basket, I’m moving more towards fractionalized.Unlike a brokerage, I only look at loan quality, I’m not motivated by commissions, thus less likely to lose money, in my view.

Remember, referrals are the fruits of the trust and reputation you cultivate in the industry.

Assuming you are just now beginning investing, I recommend picking the 'lowest hanging fruit' and 'walking path of least resistance.'