Fast forward to today and I am financially free with in Painesville, Ohio a 27 unit, 24 unit, 21 unit, 20 unit 15 unit, 12 unit, 8 unit, and 6 unit.  

After a couple of years of treading the path to frugality to build this financial runway, I've networked with the greatest people who made this all happen, of course, it took the strength, determination, time, etc to place myself where I am today but, without the mentorship of my two great mentors whom I wish used BiggerPockets so I can mention, I don't believe I would have made it thus far relying on some whimsical dream that this will all pan out accordingly, thank you for everything Greg and Lashawn.In addition, I would like to thank Bigger Pockets for connecting me with the greatest realtor @Stephen Schmitt Who took my dreams and aspirations to the core when we first connected and spoke about my future goals to replace my W2 job for financial freedom. within three months of me deciding to pull the trigger and get pre-approved, we found this killer cash-cow that apprised over purchase price!!! 

Given this and what I’m seeing homes around here rent for, there wouldn’t be much monthly cash flow if we were to rent it out today as a LTR, but there is the opportunity to grow equity.

Send a certified letter today so you can prove that they received it.

Update, I’m going back to days so I can in fact do Tuesday evening.

I learned this phrase about 50 years ago in my first year as an agent and its true today."

If it didn't mean trading 3-5% rates for today's rates, I'd refinance and have all these loans with my local credit union who doesn't sell them.

there are multiple cities across the Midsouth that make for solid investments and you are still able to even see some cashflow even in today's environment without buying just straight up high risk properties. 

I've tried getting in touch with him today but he blocked my phone number (my texts don't deliver and my call goes right to voicemail.

You will be waiting a long time - that as mentioned was a black swan event just like when they went to like 18%.Historically speaking expect rates to be between 5-8%. my recommendation to anyone buying real estate today is if you buy, expect to hold it for atleast 5 years