Debate is ongoing and one to follow of younarebhoise shopping  (president even mention "more houses on the market" possible)..

Out of curiosity- if you have money for a down payment, make a decent W2 income, and have only two mortgages, why are you shopping for a portfolio lender? 

I did however get 6 qualified applicants on my own using CL and old fashioned signs (signs create a lot of calls with few applicants if your rent is on the high side for an area.  

I spent $18 at the dollar store to get:100 envelopes - about 50 baby blue ones and 50 yellow - actually baby invitations envelopes but...shopped at Office Max didn't find anything.Then I got 100 stamps - my mailing targets 65+CelebrateSome FlowersBatman!

Before you know it, they're buying a brand new car, going on shopping sprees, eating/drinking out a lot, and generally just enjoying the feeling of being so "wealthy" from that new job.

Have you noticed how many stores are going out of business due to online shopping?

As HML goes we are a small shop that carved a niche in a very particular sector of the market that I identified as under served so we stepped right in.for many investors though a nice 9% note for say 5 years that has 60 on time payments .. those will out perform the 12% short term because of the lack of drag.. we do a million a month of that paper.

I just finished doing due diligence on a split use building in Seattle (hair salon + clothing shop at street level + 7 apartments above).

There went our cash flow ;(We no longer invest in that fashion now, having learned our lessons.

They're way more profitable and entertaining ways to risk $35k in this fashion.