These forums are not for personal attacks mentioning someone education as you feel its the only qualification to be an investor….

I persisted and much to my surprise one day the door opened a crack and thus began a multi month journey through this man’s personal hell that eventually led to a $30,000 profit.He owned a local Jamaican bakery that was failing; his marriage was ending and his soon-to-be-ex moved out with their 5 year old daughter; and now he had lost his house.

They also have a Personal loan, $40k to $900k at 5%!!

I have a preliminary call in a few minutes with a person that wants to get into private lending and wants to engage our loan consulting side to assist.

I personally have mine through USAA.  

How would you explain these buyers terms to the seller. ok. 30 year amortization means the monthly payments are based on a 30 year loan, but at year 20 whatever the balance is they pay it off then (balloon payment)Personally I would NOT accept any of these offers.

I don't mean the following to sound discouraging, but I would encourage you to be extremely cautious and conservative before buying a random property in Dayton because someone - a property manager, an agent, the seller of the property, some random person on BP - tells you it's a 'great deal,' and you will 'cash flow.'  

I have no idea how she got my personal email address:"Hi I am at xxxxx Tucson, AZ.  

David,You can also use a personal loan which is generally easier and goes up to $50K. 

Interesting, you do the in person follow up after they agree to terms?