The key is to be smart and make wise choices.  

Smart move. 

You have to fix that first or it doesn't matter what you make investing.There are people who can take 10,000 to 10 million over time with smart investing and financial control.

Commercial seems like a smart place to be.  

utm_source=search&utm_medium=internal&utm_campaign=books (books recommended by BPers)Before making your 1st REI purchase please visit the link below for some useful tipshttps://www.biggerpockets.com/renewsblog/2014/12/19/real-estate-investing-success-smart-tips/Simply, bone up on the areas that you need to expand knowledge in such as, Forums, Marketplace, Learn, Network, Analyze and Resources.Feast on the Podcasts, #askbp Podcasts, blogs and webinars Lastly, this site thrives on interactions and as such we encourage two way exchanges and look forward to educational and thought provoking ideas relevant to REI.

http://theriangroup.com/your-home-guaranteed-sold-in-29-days-or-we-buy-it/In our market in Portland Oregon there is usually one mega agent running this schemeand I know its kind of an old play  ( at least to us old guys) But I am wondering if this is legal in your state.Its like buying listings.. and or its very smart you either buy it wholesale or you get the listing.. he is expanding to CA..Brokers Agents whats your thoughts and or maybe its something to copy.I bet this agent spends at least 20 to 30k a month on Radio and other marketing. 

Take a look at the article "80 Smart Questions to Ask Before Hiring Your Next Property Management Company" (www.biggerpockets.com/renewsblog/2015/10/09/questions-ask-property-management/) for guidance.Please feel free to PM me for a list of potential local property management companies.

I'm 30 years old now and have been working smart and hard for almost 10 years now in the real estate business.  

Ok, now that you have taken your initial step, below are some quick links to get engaged.Since your interest lies with wholesaling, I added a guide and a couple podcasts for you to read, listen to and fill the void, while waiting for a local mentor and networking connections.https://www.biggerpockets.com/renewsblog/2015/01/31/ultimate-beginners-guide-real-estate-wholesaling-2/ (Ultimate beginners guide to wholesaling)https://www.biggerpockets.com/renewsblog/2014/10/09/getting-started-real-estate-wholesaler/ (BP Podcast 091 Wholesaling)https://www.biggerpockets.com/renewsblog/2013/10/31/wholesaling-podcast-mike-nelson/ (BP Podcast 042 - wholesaling) http://www.biggerpockets.com/startherehttp://www.biggerpockets.com/meethttps://www.biggerpockets.com/alertsHow to Use @Mentions on BiggerPocketshttps://www.biggerpockets.com/ruleshttps://www.biggerpockets.com/inviteshttps://www.biggerpockets.com/forums/categorieshttps://www.udemy.com/biggerpockets-real-estate-investing-course/ (video with 64 lectures and approx 6hrs of material)https://www.biggerpockets.com/real-estate-investing (Ultimate beginner's guide to REI)REI can be very daunting, but, before you go searching for that 1st buy, please take a few minutes to bone up on the tips in link below.https://www.biggerpockets.com/renewsblog/2014/12/19/real-estate-investing-success-smart-tips/REI books suggested by BPershttps://www.biggerpockets.com/renewsblog/2015/11/13/7-real-estate-books-beginner-investors/ (7 absolute must read books for beginner REI)http://www.biggerpockets.com/renewsblog/2013/04/14/best-real-estate-books/?

My credit question, not being a smart azz really, in your compliance, on stress testing a loan, do you drop the credit score in your model and if so, how far, by points or %.