So I try to thank them every time for providing information I would have to pay for, if I knew who to ask and who to trust.

Have a baby, and gallop into the sunset (while still making calls to PM's)INTEREST:I first got interested in Real Estate Investing because of the potential financial freedom it can provide to me and my family.

Quote from @Roger D Jones: SamEveryone here is providing great points to consider and if you were my son I would say that at 360k this 'dog needs to get put down'. 

You can also look into partnering up with an experienced investor, and sourcing the deals or providing the capital in exchange for the mentorship. 

I think it is important to increase my ability to provide cash flow outside of real estate.

They do this by the Scope of Work with Budget being provided to them. 

An other advantage of paying with credit card may be that you will not have to send the provider a 1098 tax form (only an issue if the total yearly amount is over $800). 

@Bryan HarveyJust realize they provide high returns but it’s my understanding your investment is an unsecured loan.

So glad you could provide a better insight.

Well if you provide more you simply negotiate, Yes its sad that so many are handed deals on a silver platter and do nothing,