Also make sure the attorney can help you with joint venture agreements.If I sell on owner financing or lease option, I need that RMLO to look at the 1003 app.

The market is great here, and appreciating as each day goes by...that said, I agree with what other posts have said and you should consider a JV (Joint Venture), or consider taking our an equity line of credit with a private lender/hard money lender.  

To do that, I have to wait for the right deal to come along and constantly be looking.  

@mike hurney unfortunately my student loans are private and not forgivable, tho I do get calls constantly for student loan forgiveness.

70% of ARV, or even 65% of ARV less repair costs less your fee is your formulaIf it's worth 340 and he wants 275 and it costs 15  to fixLook at doing a joint venture with the seller or a cooperative rehabYou bring in 15,000 in private lender moneyFigure 10% of value or 34,000 for sales costs340-34-15-5 for wiggle room -10,000 JV feeThat should get him his 275k and you 10k

Often times, being an "authorized user" (as opposed to a joint account holder) doesn't even show up on a credit report. 

I am looking into Buy and Hold and want to have a constant cash flow so that I can stop worrying and start living.

Learn how to make as much as money as you can with a proven model or go with a brokerage will constant feed you leads that you have to convert.  

I have been looking at your site and joint venture is something that I'm definitely  interested in.

I'm a new investors and I believe that if you want to own burger joint , you have to first work at a burger joint.