It seems like they're a bunch of Star Trek nerds in their mom's basement looking for a friend.

The liability paranoia is a product of gurus and attorneys scaring people to use their services, mostly, but properly run they are another hurdle to overcome.I would not be concerned with a 4 plex in my personal name with better financing, if I were going to have 20 properties, that becomes a business factor.

And I am trying to learn more about an entry point, or starting level in real estate, rental properties and the like.I did work briefly as a sales-man in El Paso Texas, long enough to learn the basics of salesmanship, and decided not to go all in on memorizing the specifications on the products I was supposed to be selling, and rehearsing the companies sales pitch for door-to-door sales, or telemarketing.The problem I am having isn't so much a business plan/game plan, as it is initial financing to get the ball rolling.

If you have that many leaves in your downspouts you might want to consider a product like gutter helmet or something similar.

If your property is up to par and shows well and you are confident in your product, then you should have no issues in renting out to another deserving tenant.

BiggerPockets is unassociated with this or any product/service from the individuals that you mentioned.

I'm looking at a Fannie Mae property and my realtor told me this:That house is a Fannie May product.

Sometimes REIT's will buy low caps if the area has high demand and low product available.

. - This is the product I was referring to.

And as @Arjun K. said, if you're paying 15% for a credit card, any return you have it eaten up by your personal income.But here is what you CAN do: shift your price point to more affordable investment properties (I do under 30k), switch to credit unions vs banks for their looser underwriting policies for different loan products, but make sure you are paying down your debt each and every month while you're exploring these other opportunities.