However, I have not had stable employment for the past two years, but have worked/held internships every summer and winter since starting college (September 2012).

@Michael Parris there is a good meetup group going on tonight is Asbury Park at Cibo e Vino, I think it is called.

Rich Dad Poor DadRich Dads Cash Flow QuadrantRich Dads Increase your financial IQThe Real Book of Real EstateThe ABC’s of RE InvestingThe ABC’s of PMRich Dad RE Tax AdvantagesThe 10X RuleThe E-MythThe 4 Hour Work WeekBiggerPocketsPodCast -I hear #136 is exceptional!

Thanks for all the kind words @Jay Raught and @Beverly Fast Sinclair and @Wayne Snell.In response to @Bob E. question about shadow inventory (I can't believe I missed this question that long ago), there is a ton of shadow deals out there.You still have 6 million loans underwater, along with 3-5 million loan modifications coming due that are starting to default with the loan's adjusting.  

If I'm fortunate enough to get a stable 3+ year tenant, I don't think I'd mind giving up a few bucks of interest

I also found a source that stated that Creative investing is much more stable than Traditional because Traditional investors now more than ever have much more competition because of Hedge Funds and other institutions that heavily invest in real estate while the Creative approach is driven only by motivated sellers. 

I post 5 day notice on 2nd of month and start eviction ( after I give them one chance to explain delay as I have everyone's e-mail and phone and we communicate openly when needed).They can; electronically depositWalk to one of my bank branches and depositUse Paypaluse any system they wishWorks pretty well. 

FHA should have a lower total PITI than Home Possible due to FHA having rock bottom rates (federally insured, super safe for the lender), which will offset the mortgage insurance.Note that since consumers do not "expect" a killer rate with 3.5% down, many banks juice up the profit margins on FHA. 

@Torgeir Willumsen   send me your Singapore e mail and I will put you in touch.. he lives in the Climente area

My hubby and I have e been landlords for a while now with a few different property types so we have a little experience but are now looking at a 25 acre parcel for a subdivision.