Though you have much more experience than I do, I'm also on the same ship as you in currently owning buy-and-holds and looking to purchase the first apartment complex with creative financing.Out of curiosity, in what areas are you looking towards?

@Brian Howeth Good luck, and out of curiosity how did you find them?

I've had full ride scholarships the whole way through and had passive income that paid for living expenses so I didn't have to use loans for school itself. instead, during undergrad, I used subsidized   (interest doesn't start accrue until 6 months after you graduate) loans at 3% to pay down the principal on a mortgage I had on my first rental property which was at 6%.

Out of curiosity, how prevalent is it to see a personal guarantee on NNN retail leases on national chains.

Not sure if it's allowed, but out of curiosity, what kind of (annualized) returns did your gap financier get?

All income accrues to the plan.  

I.e. 250 is a best case scenario per month of capex that should be accrued?

Put of curiosity, what does their "system" get you.

Interest accrues if paid late6.

I checked it out purely out of curiosity: It ended up being a $20k "educational" network of "investors," where, if you bring in the next victim - ahem, "trainee" - who signs up, you get some money back (I think $5k for each) from the $20k you put up.Out of further curiosity, I asked what would happen if I brought another "trainee" in without first paying my $20k; would I get the $5k?