At this point more and more people are even taking neg am loans with no idea how to use them to their advantage (in the wrong hands these things are dangerous).

Ryan,My name's Corey, and if you still have some notes on your hands I'd like to cash you out on what you're owed.

Yeah that is true, but you and I both know that only a handful of people who get the IO products are disciplined enough to make more than the min. interest payments.

At this point these folks tend to pay better because they've learned how to manage their money better and they know that they have to pay rent on time or they're going to be evicted.On the other hand... if I am renting in a middle/upper class area then I am very interested in a person's FICO score.

These chunks of cash could be used to reinvest into your business.Another option that is a little more "hand-to-mouth" would be to try to wholesale one property per month that had $3K to $5K profit for you.

Hand written I think would be the best way.

I'm learning about investing, but have not done any hands on yet.

I can deal with fixer-upers, as I enjoy the hands on aspect.

I have been studying every book and audio I could get my hands on concerning Birddogging and wholesaling.

That way I have my hands in 3 different aspects... appraising, real estate sales, and flipping homes.Once I get a nice cushion, I am definitely going to get in to some rentals.