Several factors indicate the company is not that concerned about efficiency or ease of customer process: the website, a process that seemed to focus on one issue at a time instead of all issues at once, and consistently poor communications and lack of common sense from the loan analyst we were assigned.It started off very well with the initial point of contact, Austin Lornson, who did a fine job of explaining the general refinancing process, responding quickly and thoroughly to our questions.

They will do a slap dash job on a house that still has a bad roof and foundation in a neighborhood that will see zero appreciation. 

I stack cashflow for capex and repairs because I have a decent W2 job that I live off of. 

Rents are sky high in certain neighborhoods of Jersey City (we are second to NYC) as such many of the tenants are professionals with high income commuting to their jobs in NYC by ferry, 24 hour path train and bus.

If that's the case, check out some of the economic data about what cities have strong job and population growth.

@Brandon Dixon starting out by passively investing in apartment syndications is a great approach, especially if you have a full-time job.

I currently own a few properties here in Bryan-College Station, I have a full time sales job so try to stay as passive as possible. 

Cleaner is paid a fixed rate for a specific job, you are paid a % of revenue.

Quote from @Brandon Croucier: No need to be paying an upfront fee to a lender.As a lender it is our job to perform or we do not get paid. 

Where I have a Handyman Business that I started when I retired from a Government job after 30 years.