So I went the "normal" route of obtaining science degrees that would never provide the freedom and money I wanted (not needed).

How the process works varies as there are 4 major ways TLCs are offered.

The process will vary by county or state.

I started before I graduated from college with my engineering degree.

The answer will also vary by the state.If you lend to a business who fixes up a residential property then it is many times completely valid to consider the loan a commercial loan.

I have a BA of Arts degree, and only 9 months formal employee experience as a loan officer for Huntington Banks, (not an option again, $30,000 isnt worth 40 hrs).

My enlistment ends in May, 2008, so I will be moving to the Destin, FL area at that time.My fiancee' is also currently active duty Air Force here at Whiteman, but she is ending her enlistment early to serve in the Air Force Reserves at Eglin AFB, FL, which is why I will be moving down to FL when my enlistment is completed.I have a bachelor's degree in Finance and have always been very interested in investing and working with money.

I'm currently a student getting my AA degree, but no real plans to use it.

Since my degree is not in finance I will cite Trump here..

While cap rates should never be more than a quick gut check, they are less applicable to residential property because the credit worthiness of tenants can vary wildly.