If you have the time to devote to it, direct to seller methods can be very effective, but will take ultra-patience and intensive work. 

That way, you can get your foot in the door, start building equity, and stay at home a bit longer to save more money.You could also consider the BRRRR method where you buy a fixer-upper, rehab it to add value, rent it out, and then refinance to pull your cash back out.

For example, the valuation method is different, and banks lend on it differently. 

If you’re patient and methodical, though, cash flow can absolutely become a reliable income stream.Hope that helps!

It will co-exist with other "new" payment methods such as google pay, apple pay and credit card etc, because the target customers are different.

So while I greatly appreciate all the different methods of making money with real estate and even more impressed with all the hustlers that grind here in this community, I just need properties that I can get at a good deal that cash flow and appreciate while minimizing the trouble commonly associated with real estate. 

You can even plan vacations that are written off if using the sandwich method by doing work on Friday and Monday for real estate and the weekend is there so you do vacation stuff so all lodging and travel can be written off. 

I would encourage you to learn the market you plan to invest in now and to continue to learn about the different methods of investing.

I thought it was within 60 days and 10% return goes to 8% if withdraw.

The other method is to use a “safe harbor”, i.e., the specific procedures laid out by the SEC in Regulation D.