You are an example to others of what goal setting and action combined can achieve.I guess the only thing that would make me very nervous is having HML's on buy and holds.

If you're having trouble finding cash buyers, my guess is that your deals aren't as good as you think they are.Yes, I'm still working in that market, but mostly doing new construction. 

Credit score = 680 - 700My 2012 and 2013 taxes show a total of $35,000My montlhy debts, total $200 And I'm looking at going with a VA loan as my first choice and a FHA as my second choice, so my max Debt to Income will be 50 I believe.From these numbers, I'm guessing I can afford a $450 - $475 house note ( tops ).

I'm guessing it covered your entire mortgage, commission, maybe some moving expenses to put you in your new home, etc.

I guess it really isn't a deal if u can't fix them huh.

I'm guessing this is something else, especially new investors, must be wary of, as it seems it would be very difficult to get out of being in the HOA, despite never signing anything to it.

It boiled down to looking at it for the long term play, not the holy crap 4.5% fee that goes through your head initially.I guess in this case it really doesn't make sense to pay such a big fee if you can get a 20% down deal.

Family got into real estate after the crash and we have been acquiring mostly buy and hold properties ever since (23 and counting)Technically I guess I'm a real estate broker now but I mostly do SOI deals and investor deals for myself and other fellow investors but it's mostly a fun side job that anything else.Really looking forward to getting to know everyone and learning!

I asked how he guessed this and he said: “...every landlord I talk to who seems to enjoy it, and wants to take on more, has 1 bedroom units.”Now, I know all real estate is local and every market is different, but I thought this was an interesting observation and have wondered about it ever since.

I am not an agent, although I have been toying with the idea...I guess that will be a different post.