When you can deal straight with the decision makers.

Time and leverage are what make real estate investing so powerful.Do the research...I have two clients that retired in their 30's...from their investment property.

But done correctly, they can be a money maker!

If you refi to a lower payment and don't take any cash, you could be in a better position, but its never going to be a big money maker.

The important points here are to make RE investing something that both of you do together, and be patient with your spouses emotions.

I have an idea for a business that is a money maker but I can not get anyone to invest in it or give me a loan.

Keep trying to build the relationships with the decision makers at the various lenders.

In your personal finances it may be more valuable to be debt free, but in business, the right type of debt can really be a money maker....

Ok Brian, if I was a potential investor I would be happy if I felt everything was transparent and well thought out.I would be scared if I thought things weren't as they seemed and I would be scared if I felt the decision makers didn't have any experience.If I made more than I was promised I'd be happy, if less than not as much.If timelines were kept as promised it would be good.

Houses in my neighborhood are just not selling for the price I can afford to sell at.I want to get a lower percentage of 4% if possible to make renting it more profitable but if I do manage to sell the place I don't want to lose money on the refinance.I am checking out the internet but I feel I can't find a site that will educate me without them wanting my personal information or me feeling like I might be falling into a scam site.Any direction would be great, thanks