It’s really about whether it aligns with my goals and individual situation and not about the strategy itself.

It seems we are well aligned on most of your points.

Buy if the deal aligns with your goals.

I'd start by going back to your goals and then working down the path to what is most vision-aligned for your family. 

Point being, make sure you invest the time up front to interview and hire the right people whose interests are aligned with yours! 

I have a passion for affordable housing, so I understand having passions that align with what you're already doing. 

If you are serious about wanting to do a deal, then your incentives are better aligned with a broker than a guru who gets paid regardless of whether or not you actually can close a deal, right?

Originally posted by @Jay Hinrichs:Jeff,  Question  does CA have a carve out for the small investor IE they can do no more than say 1 to 3 loans a year and no more than say 3 to 5 in their portfolio as long as they dont hold themselves out as a lender etc.some states have those rules.. other wise I agree a perfect start for most is to align with a good HML that takes on individual clients.

Just do a quick search and find a few that align with your interests.

There are four trees aligning the side of the house.