Look towards investing in 2015 not next year, you will happier that you did.

He purchased a large complex out of the gate and is probably much happier he did as opposed to compiling a bunch of 5-20 unit properties.  

YES, believe me, myself and I am sure everyone has been in situations where its easier to point fingers but at the end of the day if you can say its my fault for not doing this or for doing that, I feel you can be a happier person and easier to work with.

In fact, I generally require that my borrower's have been rejected at the bank, because they are then a lot happier about a 10% interest loan!

I exited stage RIGHT in 2007, and have never been happier.

If they know you are committed to keeping their property looking good and getting rent for them, they will be much happier.

Also I know my loan officers for the SFHs I'm considering are happier without the CC debt on the books and it makes my credit rating stronger.Also the extra $1k per month that I'm spending on CC repayments will make a big difference when it becomes saving/spending money!

And this is the only way I see to make our lives better and happier.

The more I write about this, the happier I get, knowing that I don't have to deal with this anymore (except for the counties that are still in the stone ages and don't allow e-recording).My worst experience in the "old days," was an AOM that I needed to record in Shelby County, TN.

Anything worth pursuing that is lucrative is going to take time to learn to do well so decide if active real estate participation is right for you or if you'd be happier and leverage your time better consulting, operating other small business interests, doing a startup, or something else.