Also, I am looking for a credit union that does portfolio lending.

I don't know if that's due to the market leveling out or other investors sucking all the air out of the room, but it actually made me contemplate listing the properties for a flip, but I really want to build a portfolio, not become a rehabber, so I have to fight that urge.I sent you my email via private message here on BP.

In my 30+ years of owning and managing my own portfolio, I can tell you without a doubt that the property management component can and usually will make or break your success as an investor.

Instead they just want to get the pain over with as quickly as possible.You also have to find a bank that is motivated and doesn't want the property (shopped) listed by the seller to fully expose multiple offers and compete with other investors.This is why many people wholesale.They make a few k on a marginal deal and let other investors take the high risk.Then they only buy when they get a really good deal for themselves.I would say "Do not get emotionally attached to this deal and overpay because you wanted to BUY SOMETHING" Instead just treat it as a property and if someone overpays for your goals then move on to the next.Remember it is easy to build a crap portfolio with marginal returns.It is much,much harder to build long term quality properties at a great price that will create generational wealth for the your family.

I have a portfolio lender that does make loans.

I will not pick one way or the other as it does not affect my business model, however, I would agree with Mark in that wages and unemplyment ratios will have a larger affect on rental prices than anything else.That said, regardless of your view, IF you are a landlord, then you should ALWAYS be adding to your portfolio and as such, making adjustments to the market by adjusting how much you pay.

Hence I am looking into the U.S. market.For now I will be aiming to continue with our old strategy which is aiming to build up a rental portfolio which is cashflow positive.I have a few questions which I hope that you can help me with:a.

They can be more flexible with blanket loans and such and may do portfolio (in house) loans that can suit your needs.

I believe that I have a "model portfolio" tied to our age bracket.

HML = hard money lenderNot sure where you are, but there's a hard money lender here in fly-over country called REcasa - worth a look-see anyway.Also, try portfolio lenders, savings & loan banks, local banks, etc.