There are other forums that I will pursue, I apologize if I have wasted any of your precious time.

@Daniel DexterMy apologies, I told you wrong.

And you in the peanut gallery- I know, there are interest-only mortgages, but most investors don't use them.)So in summary, and apologies for the extremely long post, I just got rolling and couldn't help myself, real estate enhances the best in investors by inhibiting panic selling during kerfuffles of one sort or another, and suppresses the worst in us, which is our unwillingness to save money on a regular basis.

If this is your experience, I apologize for them, they should find another profession.

Not sure how old this post is (I also ignored everyone else’s reply for that I apologize).  

No, no need to apologize.

What about the impending melt-down in the Alt-A market some are predicting?

I'm very honored and appreciative that he took the chance in me, especially because neither of us ever flipped a property before.One of my contractors left my 1st flip's patio door open over the winter and the condo's pipe burst, flooded out the 2 units below, I was terrified of how much damage it caused, I brought the neighbor below flowers on three occasions as a way of apologizing, then asked if I could buy her unit, I acquired it, so I was working on two flips at the same time - which was a managing/learning experience, now I know I can do this constantly.Thus, 2015 is the beginning of my investing experience, at 31 years old, I'm here to learn more from you (members @ bigger pockets), to read and educate myself, to be like you, and to one day, give back and advise others.I recently paid off my student debt, I have been miserable trying to accelerate that worthless debt's payoff, I have so many friends with 50-150k in student debt, it's NOT an asset, it doesn't create security.

Many thanks for your help and I apologize if these questions have been answered in other posts.John

@Ibrahim Hughes I apologize, I'm still learning about this forum.