To think they could lie to so many people at scale and get away with it, and do it with a straight face.. is making money worth it when you are knowingly cheating others out of theirs?

This is how I seek to structure the financing :Purchase price : $400,000    Down payment: 15%   $60,000Owner finance (2nd position) :            $40,000 The issue I face is the banks are reluctant to structure a deal this way and they say I need 25% of the down payment which I do not have.

I know investors who have built VERY trustworthy teams in other cities without ever stepping foot in the city or meeting the people they work with face to face. I

Being face to face is nice, but I don't think it's necessary to succeed.

Think he just wanted to save face. I

I think it is okay to trade time for dollars, most people do it.I think it is also okay if your expenses > Income early on in your career.I think the issue a lot of people face is that they are unable to increase their income outside of what the employer provides as a raise.People should understand what their hourly rate is(even if they are salaried) and then try to increase that number every year.It hurts me sometimes when I hear about high income earners change to real estate focused business(not investment) where the income is normally less and likely not as predictable.I think people should focus on making quality investments and if you don't like your job, try to cut your hours down from the money you make from your investments(I.E. 55 hours to 40 hours to 30 hours to 20 hours and maybe 0 hours.)

As a lender if you make a loan in Oregon with no license / and it was deemed required you will get a fine and a cease and desist and the borrow can sue you and usually ends up only having to pay the principal back there was a large Seattle based HML that did a bunch of bizz in PDX and got caught in this major egg on their face.  I

If I put the property in an LLC then I can maybe avoid some of the corporate costs, but I'm unsure what other problems I will face. I

That jumped out at me as egregious on its face. I

@Tyler Salzeider - Anyone that can answer question 3 with a straight face is full of it.