@Curtis Robbins 4.125%, 15 Year AM, 5 Year Balloon, 70% LTV on a duplex re-fi w/ a small, local bank in Columbia, South Carolina.I have lots of loans with several different small banks and it *seems* that commercial underwriters are tightening up LTV maximums from 75-80% to 70%.

Originally posted by @Bob Daniels:@Bill F.  I

I loan money out of my ROTH IRA.I invest in Tax Liens in SCI own a VRBO on the lake.I do most of this via text message and a checkbook.

I've had others who can't figure out how to connect to a wi-fi network.

In 2005 (when everyone can get a mortgage), class A rents and occupancy were dismal because their tenant base were buying homes"D" and "F" areas are way tougher than "C" and even though I made money in D and F, I don't recommend them for the newbie investor.For perspective, here's how I would classify the areas:A - upper middle class/ income way above median/ very low crime/ best schoolsB - middle class/income slightly above median to median/ low crime/ good schoolsC - lower middle class/median to slightly below median income/median crime/ok schoolsD - lower income/high crime/one house every other block is boarded upF - lower income/90% of violent crimes happen here/ every other house is boarded up

Let me know fi there is any way I can help you out- P.S- I was born in Queens!

@Kirbi Campbell -$150k in gross revenue -$50k CFBT -reach my “half way” point of FI -find capital partner/s to grow my VR biz

Sci. and software engineering is a great career that is on the rise and salaries are still very fair, however, Seattle is becoming the next San Fran area with the rate the tech industry is growing and this has caused real estate and the rest of our economy to rise.I have read many of the blog posts and guides on this site about beginning your real estate career, however, whenever I attempt to take the knowledge to a real-life scenario I can never understand how one can start out in real-estate without capitol.