I have been looking at Capital One’s Spark business account because that is my personal bank.

It takes most people quite a while to build up to meaningful cash flow. 

Its a computer formula.The number that is the most meaningful to HUD is "net to HUD" This year we have had acceptances for percentages much lower than 5% off.

I can make 8-12% lending to a quality operator with meaningful experience in first position. 

Now you have something where you can actually get to a meaningful answer.  

My parents own and manage several of their own real estate properties and my grandparents served as Supers for 30 years for a 30+ unit building in NYC so I have vast family experience in real estate which has sparked my interest.As I'm sure many of you know, the NYC market is a very expensive market which has made it difficult for me to find financing to purchase.  

I'm also hoping that the hype from the nearby Superbowl will create a spark for the market in the area and make it easier to sell.

Anyway, I read, all I do is read and I have recently stumbled into something that sparked an idea but I guess I’m not sure if it works the way I interpreted it?

I would also adopt a few habits to make your "education" a little more meaningful & intentional:1) Write down everything.  

Tax liens seem incredibly complex with rules and regulations and bidding etc and I can't see how an individual investor could really participate in any meaningful way (like trying to deploy $250K).