I want a specialist that's an expert, and not a jack of all trades and master of none.

Also, more people seem to be choosing trade schools over traditional colleges.

The HML/PMLs generally have more "flexible" or "creative" lending terms (higher LTARVs and longer amort), but the trade off is higher interest rates.

Mostly on trade accounts with local businesses for the materials, some business credit cards, some of the contractors were OK with waiting 30 days for payment. 

They would have to foot the bill and also pay for the removal (up front) - because maybe they will work the disposal correctly, but there will be a next tenant - so that decision could have expensive consequences for them.When you present them with the true cost of install and removal, it may not be that important anymore..

In 2017 I had zero debt, a good job and was leveraging my 401k… I have traded that philosophy to acquire large amounts of debt, no 401k or IRA contributions and now have the freedom to control my own financial destiny.Below are the steps I took to remove myself from my W-2 (and 30 years of working for someone else) and obtain a career as a real estate investor:Step 1 (Education): Read and listen to as many books and podcasts as possible.

Education (K-12, High Ed, Trade Schools) 2.

They started trading hand written IOUs for food.

Bitcoin trades 24/7, with a click.  

Consequently many inexperienced investors make investment decisions based on where they can afford to buy, not necessarily where a good investment thesis may exist.