I know a local investor that only does very low income rentals and he has been successful doing it for 10-15 years so it can definitely be down.Best Wishes and Good Luck on what you decide!

First off, I’m a true believer in the saying “If you have a dream in life, you should seek and follow the path to obtain it!”

I've listening to podcasts and reading books now I'm ready to take action So any advice or tips definitely welcome!!

You have definitely been had.

Brian Gibbons - I will definitely check that out!!

It's always best to start young and you've definitely come to the right place to learn so you're already ahead of the game.

Regarding rich, I might have to disagree with you, but it does depend first on your definition of "rich" as most people never really consider themselves rich unless or until their net worth changes from M to B. 

I just don't know what the best path is.

A lot of them are extremely laid back and definitely don't have the sense of urgency most "mainland" investors are used to.

You definitely will not qualify for FHA or conventional financing; however, if you were employed in the same industry prior to starting your business you MAY.. be able to get a loan from a hard money lender.