This last year we made a concerted effort to pay off the last of my student loans (~20k) starting in June and made the last payment Dec 28th, or in 6 months time.

It takes time and effort to find those folks and cultivate the relationship.

Lots of other deals out there if you put the time and effort into finding them .              

They are out there and it may take some effort.

Nevertheless, I do have some experience in real estate and negotiation, and my wife and I are willing to put in the time and effort to get up and running.

Hi Harry,If you are willing to spend the time and effort, you can find both cash flow and equity.

It does not require a large amount of effort on my part which allows me to focus my energy on the various aspects of Real estate investing.

Let's say MA, CO or TX; These states have reciprocity agreements with other states, thus allowing you to work in those states, after paying a fee and taking a class and or exam, California does not (save Nevada).If you plan to operate in CA but have access to alternative markets then It may be worth the effort to become licensed elsewhere.

For the average couple making 51k a year, they might be able to with some effort, save 10k/yr to put towards a rental portfolio.

I've found a handful of properties but would like some additional suggestions with regards to what neighborhoods I should focus my efforts in.