The past couple of days has really been a test of my ability to do this and handle the stress....or better yet, not let it consume me so much.

Sure, in residential much more consumer protection needed where in commercial we are rightly or wrongly perceived as big boys and girls who can protect ourselves.Its great to hear your perspective on this stuff.

And, since a 4-plex around here averages around $300k-$350k and I don't have $90k to put down in order to get investment property financing, I'm kind of stuck until this year is up and I can rent my house and get an owner occupied loan on a plex with a more modest down payment.

Go after consumer debt with a vengeance, including the student debt.

Most private lenders where I am won't go near a consumer loan.

Consumers will forgive you for not having that precise vacancy open as long as you can show them something similar that will suit their needs.

I have a modest some of money sitting in various IRA's and I would like to use that money to invest in real estate and/or notes.

As things currently stand it seems like you have to register for something to consume them.

@Jason Mak I presume you are talking about a consumer loan, a purchase or refi for your personal residence?

Makes it a lot easier and a little less time consuming.