I just looked at a utility bill with a total charge of $184.12 but $116.50 is from base fees!

You're totally right—making a schedule with all the important dates on it is very helpful!

$7,500 invested in the market at 8% return over 3 years is close to $9,500 in total. 

Learn by experience and making mistakes.One issue is most people who buying coaching only buy one program or max 2, so it's pretty hard to rank them.If you are convinced this is what you want to do, I'd look at Lifestyles, Total Wealth Academy and Brad Sumrok's programs. 

Hey Ben,I totally get the challenge of balancing your lifestyle with real estate goals.

Forecasted performance is your best-case scenario and shouldn't be relied on, particularly in a tougher market like Memphis. 

Be conservative and don't rely on young adults to pay their rent.

There is the options of totally change up what/where your trying to do things. 

However, from a real world day to day experience it's a totally different animal.

The market is ALWAYS changing but I know at this time, seasoned investors are getting 80% LTV on DSCR in the 6% range and 90% of PP/100% of renovation if total loan does not exceed 75% of ARV for FixNFlip loans. =)