Once I've got all of that cleaned up, I'll be able to see what I can scrape together for skin in the game and look for a brrrr buy and hold.

Also you can renew your licenses online, you don't have to mail checks.

Whether I purchase it cash or with conventional financing, the banks only want to lend/refinance up to a specific LTV (usually 70-75%) on the purchase price EVEN if I buy the property at a significant discount (e.g. 50% of its current market value).In the past I've always struggled with this same issue, and thus eventually I end up tying all my capital in properties and I'm unable to purchase more (even hard money lenders want you to put some skin in the game).

To the first question, we are currently revamping the bookstore and we are getting more book formats online soon!

They are a popular topic online but used very rarely in practice. 

Play the long game

I tried to explain to him that it is just a numbers game to me, and that I am not looking to be a "Shark"; He told me that some investors do it, and end up with bad reputations for doing so.

Anyways we have found a build job opportunity for 3, 4 plexs (12 units) but it is a build job from a builder that isn't known and I really cant find much information about them online.

Hi @Jake K. and welcome to BP, it has everything you need from free online educational videos to connecting to other investors, you can't go wrong on this site!

Need to be in it for the long game for DMM.The one thing about direct-mail, the leads are so unmotivated, you need a solid volume to find the good ones.