It's nice to tell a lender to stuff it but if you want to talk then lets talk, here's what we want, pass it on to the decision makers..

For most folks, though, that would not make real wealth.I also would say I do not consider my own residence an investment.

That's a sure way to make really bad deals, that have an impact on ALL future deals.

There are pros and cons to both, but in general, active investors make real estate their career.

Lots of new construction there that might make renting a bit more of a challenge in the future, but still plenty of demand.

This may include a disposal, fridge ice makers, or even just fancy finishes.

Is it a money maker neighborhood, or a bad one?

That carries specific requirements for one party, the borrower, also called the "Maker" lenders do not "make" loans, the borrower does, lenders originate or provide the financing.

Most of the decision makers at the bank dont have a clue about real estate, but they will do a BPO and such.I do partnerships in other markets (I'm in 4 right now) if the deal is right and you can run a rehab. 

@Jacob Abuata If you don't want to make real estate a full time and be able to travel a lot while doing it, it sounds to me like you're going to have to find someone you trust to invest your money with.