Real estate is easier to predict as supply is still low and demand is high.

The couple of deals I have done myself since getting my own license have been so much easier than the ones using another agent.

This way your equity even is giving you a return.Once your portfolio reaches critical mass, or you hit your target numbers or cash flow you can transition over to paying down debt to prepare for the final distribution phase.However, people need to retire at some point this is called your distribution phase, so when that time comes be sure the properties are paid off by that time to maximize cash flow in retirement.A great book on this topic and more is Gary Keller's  The Millionaire Real Estate Investor. 

Did you pick your targets by driving for dollars and then looking them up online? 

Hi @Fred Ewert, what rent range are you targeting for the side you rent out?

I have my own goals and target areas that I’ve developed through research and experience.

LOCs are easier in most cases but not sure it can be done with out tax returns.

There are a lot easier, more passive, ways to get that.

The Sellers lowest Price ($195,000) is already over your all-in target.  

Trust me, it's much easier BEFORE something goes bad in your business.Happy InvestingDerek Dombeck