Here are my current findings:MetropolitanLandmark CommunityOrion Federal Credit UnionAnd Angel Oak Bridge (actually in Georgia)Are all good to talk to.Then:Paragon BankTri State Bank of MemphisFirst TN BankSuntrustFirst South BankCommunity Bank MemphisAnd Financial Federal SavingsAll look like they might have programs- but have been flaky in communication.  

By no means is it get rich quick but given your pursuit of a PhD, I'm assuming your not afraid of a little hard work and delayed gratification!  

I have been to many of these and its like anything else sales and business related not everyone can do it.. plain and simple.. failure rate for real estate Is quite highthe other side of the coin are those that have made nice money in other professions or industries and then bought buy and hold for long term investments.Gurus generally are talking about get rich quick.. so its caveat Emptor for sure with these things.But I do know more than a handful of investors who got their start paying the 40k and are as successful as anyone who learned on BP myself included.. but they would have been stars no matter where their education..  

I moved to the states about 5 years ago and been working W2 ever since, but the poor dad rich dad really changed my mentality and find out I'm on the rat trap right now.So I really need your help on something I have in mind to start investing.

I have always lived more on the motto of try as hard as you can, and when it goes wrong, figure it out and fix it :) similar to what Kiyosaki says in rich dad poor dad, that he saves or invests more than he thinks he can, so he is forced to make it work :)

Rich Dad Poor Dad was the next primer, and since then, I have had an insatiable desire to read everything about real estate.Here's my current situation:I'm not a city person by any means (I've tried).

I have not communicated with the tenant yet. 

I've read a lot of books that most accomplished investors have (mostly the Rich Dad series), but have no experience in deals made over time.

That, and their lack of communication with you is a sign to find new tenants.

What I think in real estate is rental units are the best way to get rich quick.