For a little background, I have some experience overall...a couple of rentals, LP on a 24 unit currently, a bit of wholesaling, and a decent network of all typically pertinent players in the deal space, and I push my knowledge forward each day. 

Put the $100k in a GUARANTEED bank CD and make $5,775 instead of having a chance at $6k if nothing breaks and nobody leaves.

Put the $315k you don’t have in a bank CD and earn twice as much. 

Large title companies will "accidentally" release to someone who is a legitimate player when they know the broke wholesaler is not.

I took 30k to the sale and got schooled big time.. the big players are there with their lap tops the sale goes at lightning speed those guys snag most everything I end up spending my 30k..

Where you think.the books and cd's come from.

All carriers do not allow for "blocking" the market when it comes to a quote but the majority of players in the commercial lines market do3.

But once your done with the agent for the time being and the lender then its just PM handyman and tenants.. small group.Those of us that are on the Transactional side Our sphere can be huge and never lonely can be overwhelming with all the different players and such we have to deal with day in day out..

In my opinion, I would not take the advice you received regarding using OPM is you have no experience in investing in real estate.I would also not look to be a private lender for several reasons1) You are better off putting your money with a corporate bond / CD and get 5-6% with little risk compared to 10% to 12% with much more risk given today's market conditions2) You won't be able to retire getting interest income, which you said is your goal.

The problem lies in whether it makes sense to invest in a market where future price appreciation is only 2% and negative -$300 cash-flow; or invest in fixed CD 5% ; or invest in a market where appreciation is 10% this year, 3 percent after that LOL.With 2% future price vs 5% CD it's obvious the CD has better IRR.