The reality is people are making money in virtually every market.

My preferred money market is returning near 2x my lowest rates.  

Lenders typically originate the loans to investor specs using a warehouse line/line of credit (meaning borrowed money the lender is responsible for), then immediately (within 30 days) sell that loan to an investor.

You need to study Low and No Money Down Real Estate Investing.

I'm leaning towards the Authorized, even though it's a bit more money.

Coach Carson talks about the small but mighty investor and how you're way ahead of non-RE investors with a few solid appreciating properties3) If you haven't done this already put your money into high yield savings account so your cash reserves can grow 4 to 5% not a regular savings account earning 0.1% interest. 

I believe that the only way small investors can provide affordable housing and make money is not by investing in affordable housing by itself.

Just because you're paying a higher fee doesn't mean you're getting less money in your pocket at the end of the day.

I am 16 months in and proud of the success I have had but I feel like It might be time to focus on using my money wiser if at all possible.  

Ensure the monthly payments are manageable within your budget.Private Lenders or Hard Money Loans:Approach private lenders or hard money lenders who may be more flexible with lien positions.