Most of the "Sub-To" community members I've met on the journey are the most overzealous people in the game.

There are rules and situations unique to each state and that is why you want to go with a local lender vice someone just reaching out to you telling you they can do it. 2) Better recourse if the lender screws something up: a local lender has more skin in the game so to speak as if they screw something up their name will be mud to local real estate agents in the deal.

I personally focus on DSCR investment loans and creative investment financing strategies, so I am happy to connect with you and talk about a game plan.

Love to hear your getting in the game at 21!

More than happy to connect and strategize game plans any time.

With this scenario we both have skin in the game: His work and my materials.

This has been the most successful model I have seen in real estate.This goes 100% against every guru and investor the past 5 years of get rich quick of buy, rehab, rent and refinance with little money - that video game is out of order so the gurus need to reinvest themselves and they are trying with seller financing and zero down.

In the past year we've been through the ringer financially due to bad contractors, deal promises, and generally just being new to the game.

SB 9 sounds like a real game-changer for California investors.

Somehow I think it's better to hold onto my own money and keep that dry powder on the sidelines waiting to get into the game if there are some emergency expenditures (haha, very likely with the kinds of deals I'm thinking about in class C neighborhoods).