Though I would caution you on hard money lending until you understand the industry a bit better, that can be very rewarding but you have to be able to do your due diligence on deals because you're turning over your hard-earned money to an individuals project, often a flip. 

A mentor of mine told me never to purchase a property without off-street parking because he always thought he got better tenants when they had cars.

I’m a 41-year-old father of six who loves the Lord and is driven by a desire to build a better future for my family through real estate.I own a small tile installation business, am a certified insurance agent, and am currently in the process of obtaining my real estate license.

If it holds up under these conditions, you've got a solid investment—better safe than sorry!

I do not sell my model but I have a friend in the business who offers a much better model than Michael Blanks in my opinion.

Asking in the correct forum will get a better response.Read the RULES!

You really can't get a better snapshot of the Cleveland investment market right now. 

Quote from @Don Miller: Tile installed better late than never !!!

My best has done better than $10k/month of appreciation (well timed purchase purchased below retail so this has done better than most San Diego RE investors). 

Going to 90% is not the cheapest way forward, however.  80% will give you better rate, and 75% will really make an impact on rates.