I also see lifestyle inflation and a massive consumption mentality that further compromises any ability to save or invest adequately.  

They have a social mentality that you need to adapt to and can not set your standards too high while at the same time insuring they adhere to all community rules. 

It would take many lifetimes to exhaust those REI opps available and on all levels.

And even if I could, it sure seems risky to exhaust the majority of my savings, right?  

I think Texas is a very tough buy and hold market because of escalating property tax's foundation issues and herd mentality of investors creating demand that would not be their organically.

I am very capable in excel, having manually and mentally run the numbers of multifamily units listed online I have found that none of them come close to meeting the 1% rule.

Occupant profile: two older ladies on SS, one with mental disability and another with cancer undergoing radiation treatment.

It seems as soon as I mentally made that decision deals and opportunities are falling into my lap.

We are now preparing to strategically grow our brokerage business, and we would like to approach the process with a "blank slate" in order to not bring in a "traditional brokerage" mentality.  

Are you saying that they were extremely or overly exhaustive in their efforts to properly vet qualified borrowers?