so you're recommending that my starting point should be finding a real estate agent, utilize theirbknowledge to learn about the process, and get referrals for good loan officers.

Analyze deals, build your network, and educate yourself constantly.If you have access to unique resources (like a VA loan, FHA Loan, or 401K), use them to your advantage!

I then found 3 properties from wholesalers in areas that I invest in regularly and purchased the properties with a hard money loan.

You aren't required to offer a loan mod prior to foreclosure.

I’d pay my 0% interest for a year credit card loans and 401k loans off asap then repeat.

While short-term rentals in areas like Kissimmee, Florida, can pay for themselves and offer lifestyle benefits, the ROI typically doesn’t match what I see from my traditional portfolio of long-term rentals in North Texas.That said, short-term rentals can still be a great choice, especially if you're drawn to the area and the opportunity to combine personal use with investment income.

Since the rent roll was too low, she had to secure financing through a private lender that based the loan on market rent rather than the current rent.

Step 1: Ensure you can get financing (is it a cash purchase or will you need a loan). 

By combining our in-house teams with a focus on diversification and luxury properties, we’ve created a model that works in any market.

He made his own mom get a loan?