If the community bank which can essentially take their interest rate on the loan to practically zero there is no working room for a private investor who has a higher return demand on their capital.  

Here are a few particulars.2/1 single family homeApproximately 950 sqfB-/C+ neighborhood Great school district  (Cobb County)1 1/2 acre lotShort distance to shopping areasInterior down to studs (as seen from the street since the front door is open as well as windows)I have gone through county records and identified the owner.

You are essentially paying a lot of interest over the life of a loan.

It is essentially the banks own money.  

These always fail because the homes are in such undesirable areas... we can't even rent them.My recommendation would be to check out the United Northwest district on the near west side of Indianapolis.

As part of my business, I have an employee answering the phone essentially 24/7.  

As for the plugs, at least where I am, you can "pigtail" - essentially, join the aluminium wire to a short piece of copper wire in each outlet box using the special wire connectors and paste, then connect that short copper wire to your plug.You don't need to open any drywall or tear anything out to do this.

A portfolio loan is a loan type that the bank has direct control over...because it is essentially the bank's direct money...and not Fannie/Freddie money.  

Essentially leaving you instantly homeless without your belongings until your hearing. 

I essentially have the same business model, we own and manage multi's and also flip properties.