Anyway, you will see from my other posts that I am fairly passionite about politics and the complete inertia of our democratically elected political elite to rail against corporate influence in the coridoors of power.

I would also recommend a fantastic book called "How to Win Friends and Influence People" (highly recommended by Warren Buffet, the world's greatest investor) as it may change your life and the way you interact with people.

While the macro market does have significant influence on your business, the real making or breaking of your business is squarely on your shoulders and the decisions you make.

I'd like to thank everyone in advance for their past and future posts to our community that directly influence any success that I achieve!

I would highly recommend the book How to Win Friends and Influence People by Dale Carnegie.  

These factors could influence the rental rate you choose to charge.Ultimately, the rental rate you choose to charge a couple should be fair and reasonable, taking into account the market rate, increased costs, and potential benefits.

Since you appear to be challenged in at least two of the three areas lenders look at... starting out as a wholesaler may be the best way to go.With that being said, and drilling down further with what Eddie mentioned... becoming an expert in an area or neighborhood, fully understanding what is influencing the market and where the profits are, will put you in a position to discuss real estate investing with those within your immediate circle and perhaps you could find someone who will be willing to stand up finanically for your deal(s)... as the money partner.Best of luck!

@Larry Flanagan If the question is rooted in ethics, you engaged in an arms length transaction assumedly without any undue influence applied to Seller.

That's the way the associations have influenced the law.

Hence all feedback and all measures of success will be heavily influenced by the student's desire to apply themselves until they are a success.John Corey