Lots of cool and intelligent people to learn from, let's connect.

I worked for more experienced managers that were less then intelligent.

How would someone go about lending hard money well (intelligently) and correctly?

When I go to meet ups I can actually have intelligent conversations and sound like I know what I'm talking about and because of it I can ask more intelligent questions and more people listen and answer me.

I’ve started doing my research on real estate, but I’m struggling to figure out how I can learn how to analyze deals well, and get the right amount of data to make an intelligent decision.

If you certainly can afford the new payments then you won't need to artificially enhance your income to qualify for it.

Not saying it took zero effort, it takes effort and intelligence (more effort and intelligence than simply placing an investment in S&P 500 index fund).Good luck with however you choose to invest.

You have to have both a buyer and a seller that are both willing and able to close in order to create a transaction, and price and terms are the market mechanisms for equalizing supply and demand to create transactions across a market of buyers and sellers ... inefficiencies can occur when there are distortions in the market that limit the number of buyers or sellers or otherwise creates an inequality between buyers and sellers that cannot be easily resolved by the usual market mechanisms of price and terms.Inefficiencies can have a dark side, as eluded to in comments above ... if an inefficiency is artificially created so that a more sophisticated operator can rip off a less sophisticated, weaker, and/or desperate person, that may be profitable and even legal, but can also be morally appalling IMO ... this never gets discussed in polite conversation here on BP but think it is important to understand.

check with an intelligent mortgage broker or banker and have them do a rate/payment/closing cost matrix.  

wow thankyou so much for the in depth reply Scott, I've written the quote down and set it as my wallpaper on my phone so it's the first thing I see every day to keep me motivated, I've also just grabbed myself a copy of the intelligent investor (warren buffets most highly recommended books) I hope to learn a lot in the near future...JT.R, yes I intend on going to university to do a bachelors degree in either economics or commerce (accounting major) after I graduate from high school...