The %age and the points seem to be really high that you paid for the private lender.

I am 24 years of age, I have a son that is 11 months old and a wife that is 3 months pregnant.

Other systems:  age of the Roof, Plumbing, & Heating systems can also impact what companies will write you. 

Usually the more doors per apartment building and/or the more money you put down, the more cash flow per door.You could also look into buying businesses (owning them, not running them), good old fashioned stock market investing (not retirement accounts, im talking brokerage accounts so you can actually use the moeny before retirement age) , cryptocurrency investing, or a mixture of all of them. 

Without seeing photos, the age of the property, and knowing more about prevalent soil characteristics around the area, it's difficult to say.

It is the 7th largest county in IL based off Population. 34% of the population rents and the median age is 38 with an average household income of $49578.

I always like someone to be there on the premises to let me in over the age of 18.

To the best of my and my siblings knowledge, our Aunt Ceil lived all of her life, from around age 2 until she enter an extended care facility at the age of 95 in 2005, in the house at 3156 Memphis St Philadelphia, PA, that I and my siblings grew up in.

I am not anti paid training.. but those with limited to no funds I can't think of one of those I have seen make it without going into real estate in a paid job first.

US, regardless of immigration status" quote from an article by Jo Becker, Education/Outreach Specialist, Fair Housing Council of Oregon in an article titled screening without Social Security Numbers: there Are Options...