I don't pay myself from business but reinvest profits in purposeful expenses or cap improvements for the portfolio.

I can make modifications &/or improvements to it.

And, hey, maybe those of you currently using HML will start to see HML rates improve as AE continues to compete.

While you're working on those two important things continue to educate yourself through the podcasts/books and practicing analyzing but also keep your eye out for a great deal.

I would snap a picture of the head and head to your favorite home improvement store.

I improved my credit and built a relationship with that CU over the years.

If your goal is a long term buy and hold, then no, you don't make your money going in unless you can buy a distressed property and force equity through improvements.

His end goal is to refinance with a conventional loan but he wants to wait another 6 months after his credit score improves from his current 650 credit score to receive a better interest rate.

Introductory level is good but should still include practical and real world suggestions.Thanks   

@Carloz Gil I like stuff that mainly just needs cosmetic improvements to add value and gain some equity afterwards.