Commercial loans can and still do have balloons.Dodd-Frank was targeted at screwing up, er, uh, I mean, fixing consumer owner occupied lending.It has nothing to do with commercial.

It just seems there are fewer and fewer decent starting-salary positions out there and a lot more low-paying jobs.

Consumer debt is the type of debt you need to avoid.

My biggest hang up on the single family market at this point is that I just can't make as much money, though the potentially higher quality tenant and fewer maintenance calls may be worth that, I don't know.On the single family home I am looking at, I would clear about $250-$275.

After that, you can do continuing ed classes online in order to maintain it.If you haven't already, check the state Dept of Consumer Protection's website for info.

I have worked with and mentored close to 25 companies that work with passive investors and the best of the best are looking for fewer clients, but deeper relationships.

@Rhonda Chesley other than the aspects of the safe act.I think these transactions are fairly complicated time consuming and have a lot of issues that could pop up when your trying to work you way through a NP note sale especially if the orig owner is still there.

I am also looking to create a passive income stream through real estate investing and have already paid off all my consumer debt as the first step toward financial freedom.

Sure, fewer leads, but less time spent putting up and taking down and putting back up and taking down.

Definitely not an expert, but I feel corporations are leaner and more efficient than they have been in years, banks have higher reserves, the average consumer has gotten smarter about debt (at least most of them I know, not sure of real statistics), the guys in charge of the money supply are actually quite intelligent (at least much smarter than me), public employment is dropping while private employment is rising, and while we are spending too much as a nation, more of us seem aware of that and willing to do something about it, especially the younger people I speak to.