Like someone else said, your RE licensure exam is going to touch on creative financing in a very surface level way, if at all.

Ultimately, your decision should align with your comfort level regarding your finances, personal needs, and the housing market outlook.

Hi @Shibu ThomasThere are many garden level apartments in my area, They have low ceilings and sound similar to what you are describing. 

Main exterior first. 1 photo.Next photo highlighting best aspect of main level.

Most likely you don't know much about the ground level work and must trust your professionals to give you the right advices for you to make decisions on.

Can't help there, either.What level of "needy" are you encountering?

It really comes down to your comfort level with debt and your long-term strategy.

My personal favorite production level are single agents doing between 18-40 deals a year that have a investment or work a decent amount of investors. step 2 at 9 AM on a weekday send out a text to each of them explaining what your looking to do and asking to set up a time to talk.

I haven't been expanding my business with LMHA since the end of 2016 per my posts above so I don't know exactly what changed, but I expect the outsourcing of inspections to private industry + some executive level leadership + replacement of staff with new faces excited to serve the needs of HUD/Landlords/Those In Need has resulted in an agency I will develop more business with.The HCVP will always be a double edged sword for landlords (See Section 8 Bible discussion) but for now I have discovered it is finally worth the effort to participate in the program.I specialize in Toledo's transition neighborhoods, discounted houses on the edge of nicer areas but also on the edge of trash...the Section 8 program allows me to get long-term tenants who are a good business model provided they are consistently managed and visited/inspected for additional "visitors" (relatives and random dogs/cats) and damage/housekeeping which can destroy a home if left unchecked.You need to know the rules, repair and renovate for long-term durability, prepare for inspections thoroughly and keep a team of contractors who will hold those standards...after 8 years we have been through a hundred inspections.

Quote from @James Shannon: One BIG concern that I have as I research Baselane (and other, similar options) is that they provide access to my money but they're not actually bank and don't have bank-level security.