Just to clear things up, our goals are to help match tenants with the optimal rental unit for them and to help landlords find the best tenant for their unit.

I am very successful in my other job and have achieved this through honesty, integrity and respect for all who I do business with.

If you have achieved financial independence by investing in real estate, congratulations!  

After you get past your fourth loan (for loans 6 through 10), you are going to need to talk to a different type of bank who can assist you in achieving your goals. 

The appraisal and market study forecasted that it would take 18 months to achieve stabilized lease-up, which was considered to be somewhere around 80% occupancy. 

The CD still earns interest but it's not optimized. 

I'm not sold on the idea of trading my time for money until the day I die, so I'm pursuing buy and hold rentals as a means of achieving financial independence.

Having been here for a few weeks already I'm feeling my optimism about being able to find a property that I can afford, and where the numbers work, here in Denver may have been short sighted.I have a chunk of cash, from a previous sale, to put down on something but its not enough for what I'm looking for.

Typical vague law, on purpose so government can define and enforce how it likes.So because the HOA forbade me to rent out as a 30-day minimum rental, which I could easily get $5,000+ in the high season and $3,500+ in the low season from mainland visitors (mostly Canadians), and the zoning department did not allow 2 families to live in the same single-family home, I had to move out of the home and would have to rely on long-term rentals from the impoverished local economy.So with the low rent against a high mortgage just made it not worth it at all and I was losing -$700 per month, even with an optimal renter.

@Billy L. and several others have asked me why I like the Stockton market, so I figured I'd share my perspective on the market and an example of how I achieve a 13% cash on cash return.