So the Janitor usually wins, defined as making more passive income than your expenses, because his expenses start off so low and stay low.Unfortunately, after you play it a while, you get to know what to look for, like when that one stock becomes available for, I forget, $3 or something ...

Decatur: +1.2%)- Last 5 years: 77.0% (Annualized difference: +2.8%)- Last 10 years: 88.4% (Annualized difference: +1.3%)So the housing stock in Huntsville appreciates slightly faster, but I’d say the data shows that Decatur can work for both cash flow and appreciation-oriented investors.

It just feels like I’ve been making a lot of short term sacrifices for long term gains and I have to be really diligent with money management. or I could also just try to borrow money for the renovation, and pay off the line of credit over time, but I feel like that really would limit me and if the stock market(my collateral) went down I could also see some trouble. 

People trying to “wholesale” who lack knowledge of real estate principles, real estate law, the local real estate market, the market for the property type they’re trying to wholesale, etc, CAN NOT WHO;ESALE ETHICALLY no matter what they do.  

But I wouldn't be surprised to see us settle in the low 6.00% range.I have some aggressive bets in stocks and long duration bonds that will benefit if/when that happens.

Which brings me back to the "F.I.R.E" thing maybe you should look into that and changing your lifestyle and doing a blend of a lesser/easier job, less expenses, some real estate investments, and some stock investments.

Seeing 9-10% return On Paper, I couldn’t help but connect to the long term RoI of stocks.

I would think that participating in a sub to deal as a principle poses an even higher risk.

It is easiest to see this principle in bonds.The 10 year bond has a higher yield than the 3 year, which has a higher yield than the 1 year, which has a higher yield than the 3 month.

We have retirement accounts, a small private stock market account, and an emergency fund.