We would say we were stupid from the beginning because Clayton taught great things and he brought family on Podcast, which earns our trust.

My credit is excellent and because I’m self so employed I have some extra liberties when it comes to my income.

Whether or not you think the savings from points is the best use of your money, as opposed to putting that extra money into another investment that could earn you more than you save, will ultimately be the decision you're making.

Why not buy the house youd like to live in with the land at a price point you can afford and then generate as much extra income as possible from the land.

For example, finishing in an attic as a bonus room or extra bedroom. 

If I put this in one of my best investments that takes IRA Money it earns around 15%.

Some target lists to consider:Absentee Owners with Equity (be aware that in some areas this is getting over-mailed so you might want to mail exclusively to this group)Seniors with Long-Time Ownership (often ready to downsize or transition to assistance)Owners with Low Financial Stability Scores (combine with age, high equity and length of ownership to get extra layer of motivation)

I'm employed full time as a sales engineer so real estate investing would be more a side project for me to earn additional income.As some of you may know, the Boston real estate market has been booming recently so the Boston metro area is probably outside my wheelhouse.

If you have put little money into the company it can be argued that all profit is because of your efforts and most of the money is earned income subject to Self employment tax. 

That's spending twice as much for an extra $250 that you don't get because your loan payment absorbs the extra rent spending twice as much.