Millenials would like to buy homes, and will when they can.The bad news:  That may be a while.The impact of the recession on their savings rates and credit, plus the massive student loan crisis, may mean that this generation will never fully catch up.

Currently I am doing Business Analysis.Personally, I am interested in (ethical) wholesaling and generating cash flow via buy and hold strategies.    

Currently I am doing Business Analysis.Personally, I am interested in (ethical) wholesaling and generating cash flow via buy and hold strategies.    

The $15 we put was a conservative random bill that my REA said could come up say for like some lights outside the house that may not be included in a the meters, but we are actually thinking that this expense will not exist.I think what I'm looking for is some guidance on what these numbers mean and how they will benefit/hurt me if I go with the purchase.

We have used a 1 year tax return conventional loan underwriting because my husband's business generated far more income in 2014 than in 2013.  

I have see a few people generate some big gains (as a percent) in their IRA doing this... just make sure you don't do it too many times in that 12 month period.

Which one is more effective. ..lowering your costs of living a decent life or generating more income?

That is, investments that generated large passive losses that a taxpayer used to offset a significant portion of their income.  

based on my initial evaluations it looks like a VR would generate more cash flow but I am making some assumptions on the vacancy rate and not sure how accurate they are.  

Also read Brandon Turners book as he describes a lot about money partnerships that may help generate some ideas.