In NY it is 75 hours, which in reality turns into about 20 hours of real material.

I ask for three prior landlord references for this exact reason.

Hi Wellington, I am about your age, just turned 25 and have been investing for about three years now since graduating from UT in 2015.

I've recently purchased a 1950 three bedroom, one bathroom 972 sq ft single family home.

I had a single mother who couldn't afford the daycare after her work hours at Mcdonalds were cut because she didn't have a car to get there and didn't always have someone to watch the kid.

Doing my homework helped.I once bought a place that was on the market to settle an estate, elderly husband and wife died within a few hours of each other, it happens more often than you'd think.

I currently owned a 4 units (three 1b1b and one 3b3b).

Bad credit seems to be pretty universal these days.The big three credit killers are student loans, medical bills, and divorce. 

I bought the building in 2013 for 74,000 as a three unit that needed work.

I'll always accept a referral as long as it isn't more effort than it's worth (basically, if it's a lead I wouldn't want anyways because they want to buy a $100k house 2 hours from me, no thanks).