I have can get as many as I want, all with 15- 20% NET income, based on cash purchase.

A lot of borrowers shop lenders for days to find the "lowest rates" just to find out 3 weeks later that the lender cannot perform on their promise.

If it's an owner occupied unit sometimes I've found the big players like state farm to be pretty competitive on price. 

Any more info you can provide on MSA, what your rents were before vs after renovations, what kind of renovations you did and the total cost, and your return profiles?

Your best investment is in yourself.Consider going to college or learning a trade.Use the funds to invest in something that does not require much time so you can focus on learning.If you do decide to get into real estate, you may want to consider doing a house-hack.It will give you a place to live(potentially saving you a few hundred dollars from paying rent and also giving you training wheels for being a landlord).

If not, that's my recommendation.Some of your improvements may qualify for depreciation in addition to your building value depending on the scenario.

I love helping people find their perfect home or investment property, and I’m always happy to share what I’ve learned.

So if I had an all in of $100k on a project, I would bring $15k of that and they take care of the rest. 

Elmo area but can't find much info online about where I can buy and operate. 

Thank you for this line of thinking.