As background, I have a low net worth as I'm just starting my career, but a high income job that I worry exposes me to liability.

Unless your full-time careers allow you to manage changing rules and requirements that are easy to run afoul of, do yourself a favor and get a PM to save you a mis-step that costs you time and money down the road.

Over that time, I did well (according to the world's definition of "well) in an IT career and made good money.

You can earn 10% more by handling it yourself.

And i would be able to change careers.

We are starting to understand the value of competent and responsive lenders who earn their reputation and trust from agents though. 

B****, get out there are EARN for me! 

I thought I could earn more , and also be able to spend my vacation “for free”. 

Once you have a good rep & portfolio of properties it will be easier to A-attract investors, B-ensure trust and earn full operating trust.

That’s because it’s widely misunderstood, and because of that we’ll start with learning about the common misconceptions so you have a clear understanding of how IRR works.Don’t be alarmed by the following definition, because this isn’t advanced calculus, but IRR simply put is the percentage rate earned on each dollar invested for each period of time that it’s invested.