I realize I am still under performing in reaching my first deal because I am still scared but have managed to muscle a little bit more courage.

In our neck of the City, recently they have been fining: not shoveling your sidewalks within X-number of hours to snow stops, also co-mingling ur trash with re-cycles (they include photos), dumping anywhere on your property they assume it's you, and now they ticket for putting ur trash out too early.

Assume we have approximately $15,000 to put down.I don't know values in your neck of the country, but perhaps you can consider buying a small multifamily property close to your college campus and then live in one of the units while finishing college instead of paying rent.

Also, I agree with Brandon that B4 will build your "work your *** off" muscle.

Just picked up two new buyers from your neck of the woods this year.

Big burly scary looking guys with neck tats. 

Expensive and major pain in a neck.

The most obvious reason I like it is that it’s convenient and I don’t have to move a muscle to get paid.

Would they be more of a pain in the neck than a local lender?

I will buy you coffee (or preferably beer) whenever you are in my neck of the woods (sunny Puerto Rico).