@Grant Rothenburger, I don't think it's necessarily a lack of deals, but that everyone mailing to the same Absentee Owners.Investors in overcrowded markets need to look at alternatives like Seniors who have owned their home for 20+ years or Homeowners with low Financial Stability Scores (FSS).There's even a new list where you can mail to the children of the elderly homeowner - since they are the influencers.

I would just love the financial freedom as I feel like my husband works 24/7 just to pay bills and we barely travel.

My very first meeting with lenders, I had mapped various sample financial deals (one for each lender) from the biggerpocket.com calculator, printed them in pdf color and showed the lender that I had an understanding/command of certain business terms (cash on cash, IRR, ...etc). 

Hi @Lavette Pittman ,If memory serves correct, Sprout is an intermediary that connects you to the actual financial institutions that provide the funds, and they get a commission on you attaining those LOC.

Paying bills and recording financials.2.

My financial models show 15% cash on cash return on a $950K investment for 65% of the equity. 

However, if it makes big financial sense to refinance within 6 months, maybe can I even pay some penalty voluntarily to make up for the loss of the original lender?

I have some financial analysis I've done to help get some tax liens in the NW suburbs where I live.  

But this scenario also gives me the flexibility to not have to do that in an financial emergency, or sock away more cash flow towards the next investment.Any pitfalls I am missing here?

Hi BP,I've recently discovered this community and am very thankful because I feel I was able to course correct my mindset before I made my first big financial decision in real estate.