(Edit: I meant to post this via the Orange County FL forum)

43608 (and the similar single-digit zip codes) fall into the 80/20 rule...stay out of 80% of them and the quality changes with every block.

Agree with @Joe Funari - we only work with local/community banks and regional banks - they are quicker to respond, take a personal interest in partnering with your real estate business to see it have success (which makes sense, because they want you to make good on your loans), and offer much better rates than hard money loans - we don't pay any origination fees, they can even fund in less than 30 days, and interest rates have never hit double digits over the past 2 years.  

I would suggest setting up to get paid via direct deposit or another digital medium.

If you go into multifamily and you know how to reposition a property and increase NOI, you can generate 7-digit windfalls in a couple years.REI is a LOT more active than the stock market.

Also, the pro-BP membership gives you access to state-specific leases that you can edit to fit your terms.

Edit: I believe Cleveland is a great example of what's wrong with our market.

I have been editing it based on a state-specific lease template which contains 15 pages.

We were paying 6 digits in taxes with our previous CPA.

EDIT: After reading all your other posts, a couple of other thoughts:1.