I understand the processor bankruptcy caused a big disruption but it also seems like FTF (Upright) was overly leveraged because they've proceeded mass sell their loan book, which means if you held one of the loans that will be sold you will receive no interest until due diligence is completed and possibly a hit to principal depending on the final price the buyer pays. 

What if I bought a building and held it for 5 years and saved for cap ex every month, kept the money in a savings account at .05% and inflation ran at 3%.  

-Portfolio loan unwritten and held with local credit unions-No pre-payment penalty and no PMI-Non owner occupied, this is a true investment property loan, and you can do up to 5 homes at once with it!

Now, if that property was held in an IRA that income would trigger UBIT because the debt related to the purchase created income (UDFI).

I have not been as focused on the real estate sales and have really just held onto my license for the time being.

Some may argue it’s not necessary at the start, but it becomes costlier to transfer a property held in your name to an LLC at a later time and this is good forward thinking business planning.Don’t worry about forming an LLC until you execute an agreement to purchase real estate.

Judicious use of leverage (debt) when the property will still cash flow positive after debt service; when there’s enough equity left in the property to refinance if advantageous, and when sufficient reserves are held to cover vacancies, recessions, and unexpected repairs5.

There was decent to good cash flow for the period I held these properties.

There was decent to good cash flow for the period I held these properties.

The tax deed is not a warranted deed, but conveys the interest held by the county in the property to bidder.