My goal over the next two years is to buy an additional two properties.

We are leaning towards a 10 year or so buy and hold property.

local REIA groups are filled with investors looking to buy properties.

This is the first time this area has flooded in years.

The key for me wasn't to invest in the 'best place' but to know a market so well that a deal jumps off the page when it appears.

Obviously, if I'm trying to comp a property and Propstream gives me stuff with sold prices and ARV's from 10 years ago, that doesn't give good comps.

I have three children and have been married over 20 years as well.

He’s not a pushy salesman, and I’ve got a business partner who has worked with him for the last 10 years without any issues.As for your situation, I wouldn’t say it sounds like a Ponzi scheme, but I’d strongly recommend meeting with the fund sponsor in person and asking as many questions as you can.

Spoke with multiple credit unions and they mentioned a rental property needs to show at least two years of rental income in order for that income to be counted into the DTI ratio. 

Quote from @Jokari Trueheart: HI, almost 11 months ago I purchased 3 duplexes and I borrowed the funds from my personal residence which I took out a equity agreement for the down payment on the investment property, great idea at the time because I have 10 years to pay it off and theres no payment requirement, but , I learned more about the consequence that it takes a large chunk of my equity the longer I take to pay it back, so my goal was to refi cash out the investment property to pay it back but I don't think theres enough equity yet to pull the full $106k needed, I only borrowed $88k but with the equity percentage for one year i'm paying about $18k in equity on top of the amount I borrowed if I pay it off in year one, so I need this paid off ASAP before it increases more.