The public image really is one of charity (training and employment for special needs groups).

What ever you do, make sure it is safe, servicable and common for the area.

These are:PV (rate, nper, pmt, fv)FV (rate, nper, pmt, pv)NPER (rate, pmt, pv, fv)RATE (nper, pmt, pv, fv)PMT (rate, nper, pv, fv)The last is the most common.

So for many, many years I have been saving the absolute maximum allowed by the government every year into the company sponsored Roth 401k with the employer matches.All that money just sitting there; I feel as though I could do a lot more with it in real estate.

Old school common sense prevailed.

I think it is common for private lenders to get 6-12% returns.

That water charge might be your portion of the water bill for use in common areas, like watering landscaping.

Are these common areas that you're referring to?

As a self employed person, start a solo-401k - reduce your AGI by doing massive profit sharing contriubtions 25% of salary, plus deferring another 17,000 - you can knock 25,000 + 17,000 = 42,000 off a 100,000 salary that way.I'm not an accountant, I'm pretty sure both of these reduce your MAGI, I'm more confident that the profit sharing contribution does so.Do you do project work?

(Cash Basis is the most common form of accounting among small businesses.)