Than is a high energy guy and he was a good one for a first time boot camper, but if you have been to them in the past, you can order his books online at ebay and get out of them nothing new and exciting.

Most bankers (regional banks in cali) I'm talking to tell me they don't want to touch anything under 1.20 - this actually often means more than 20% down for investment properties here in cali, but I think you can find some gems that have a better ratio.That said, BofA traditionally has never been hungry for any kind of business, I rarely work with those guys when you have all the regional banks that really want to earn your business...JR

I plan to do at least 20% down.The online mortgage companies like INGDirect do not touch investors.

Just please don't feel like you have to spend thousands of dollars on some guru course to begin.haha yeah that what i was thinking of buying a "course" online that comes with like 12 audio cd for like 40 bucks i doubt i would ever pay anything over 1k on a RE course i rather read books , listen to tapes, and go on bigger pockets.

Is there any program online you would recommend for this?

By the way, your comment about the agent earning their commission - I have been there as an agent in the past, most time they earn every penny.

Thanks.Benjamin SubercaseauxNeighbor Online

In essence it's earned income it's just that the government doesn't see it that way unless your business is paying you a management fee.

This is amazing that it has been 3 years going from elementary school teacher to REI and I haven't joined an online community!

Perhaps you have a business plan that will earn you 20% return on your money.