Hi @Patricia Miller I think that if you wait for the down cycle, you'll either be right, or you'll be waiting forever :).

So if you can't qualify for a loan today, you probably don't want to buy using hard money as you won't be able to refi them out of their loan and while most would typically extend the loan, they won't do owner occupant and won't extend it forever.

It takes forever to get a property: The system they use is to put you on a list and the current wait time for a property is like 8 months.

Of course, it won’t last for ever as nothing does.

DIY done remote by mail is going to take forever and although you could file digital again there is no room for a tiny error.

I think that I may partially own the clothing store "Forever 21"...)Thats positive cash flow of $1,720 per month plus principle paydown of $400 per month for a total of $2,120 per month. 

I started out as an "associate agent" in which is an independent contractor position where you set your own schedule and get paid for events that you complete i.e. tours (Majority), deliveries to agents, open houses, attending inspections, etc.

Free money forever."

Developers make money by selling that brand new house to a person that wants to be the first owner or owner's that want to build their forever home.  

I plan to hold these properties FOREVER or at least 10+ years (because rehabbed and have management/operations all in place), so trying to reimburse my cash from rehabs, new roofs, etc and recapitalize the value for CASH injection…..instead of selling.