RE is in the finance industry, your dress needs to project conservative thinking to gain trust. :)

It's an ok neighborhood (close to some train tracks and a small industrial area), not unsafe or trashy.

I found out later that not only was there a big football game today but our Christmas parade was also going on.

Mortgage industry coming back!

I'm ambitious, determined, and so passionate about this industry because when I learn all the ins and outs I will teach it to everyone I know, whether they want to learn it or not since I've seen it change lives!

Welcome to BiggerPockets @Jim Wilson, it's always great to have another industry professional join our ranks here on the site.I'm looking forward to hearing about the growth of your own portfolio!

I know the obvious path would be to take a job and save up money.I mean, things such as the FHA loan sound fantastic, but reading the requirements it says you need to have a consistent job in the same industry for two years.

I’m not sure what revelation they are waiting for but, just goes to show how the average worker in the RE industry has no clue what they are talking about with markets doing well a few hours away in the “Midwest”.

It's a totally different industry where parts of RE are only a collateral aspect, just part of the financing issue.As to usury laws, I don't know CA, but they vary state to state.

Also, I haven't had to use a bank loan to build my portfolio, either.My comment was inspired by a few associates in the mortgage industry that are really concerned about their business being adversely affected… to the extent that they are considering other options for work.Having said that… even if it does only apply to FNMA and FMCC backed loans, I can imagine there will be reverberating affects to the conventional loan market.