Labs are notorious "I'll do anything to get food" dogs.  

(There should be no real reason they can't schedule the billing change ahead of time, but our utility company is notorious for making mistakes or causing delays- I've had them bill both the tenant and I for the same period, then credit me a year later.)

For that analysis, though, use YOUR numbers, based on reasonable rental comps, not his numbers ... sellers are notorious for fudging the NOI numbers to make their property look more apealing than it really is.

Have a gf for coming up on 7 years and she's fully supportive of me finding something that'll supplement the money I make while not being inside a prison for 40 hours a week.

SF is notorious for under supplying houses. 

There are some good wholesellers out there, but lot of them are notorious for overvaluing the ARV and underestimating the repairs.  

You have to invest in D- areas just to get a decent rate (assuming you can run it tighter than a prison and that doesn't sound passive at all).  

There is no debtor's prison, so ask your client how he expects to get paid.

From months of research and my own personal journey into REI, this book has seemed to notoriously be a huge part for a majority of investors fully deciding to get involved. 

And, there are some owners that are just trying to delay the foreclosure process as long as possible.There are also some agents that are notorious for having listings that are drive by only, no contact with agent.