David, thanks for the correction.Phillip, I bought the COMBINATION POLICY & PROCEDURES MANUAL FOR REAL ESTATE AND PROPERTY MANAGEMENT $420.

Charles Perkins--I approached this issue from this perspective:1) we (landlord & I) have a verbal agreement that I pay rent and 1/2 utilities. we've never discussed and as far as I know he's never considered or brought up late payment penalties. this is inconceivable to many people on this post; but this is simply the reality of the situation.2) both roomate/landlord and I know that we've put things off too long; he's had to go back and calculate the utilities that i owed and we're agreeing on the final amount owed.3) i have put money aside every month to cover rent/utilities and we will soon square away and I'll pay agreed upon amount.Since I have all funds and am ready to pay; combined with the fact that we both agree there are no late fees, I'm not concerned about the bulk of the rent owed as we both agree on this amount.

When I had to go up to Swope Park in KC and be there after dark, I usually had an AR 15, 12 guage auto and mag and a 9mm auto, just my favorite combination to pack light!

I have even heard rumblings of banks loaning money and there has been recent policy floated about strengthening lending to small businesses.All of this combined with people being sick and tired of things being "bad" will add up to a boost in the economy overall.

You clearly have the drive to succeed and sounds like you have the means to finance also, but you have to be very honest with yourself about your understanding of the area and the financial aspect.You must have ALL of the things come together before you can succeed, not combination of some of them.

And if you do find a willing bank, you'll find that they won't let you get at all of it, only some percentage based on their CLTV (combined loans to value).

Taxes combined are about 900.00/ year Seems to me if I can get all 6 rented thats 1800/month.

However, I found that Hotpads.com is a pretty solid source as well.Typically I combine the data on a basic supply and demand graph.

There are a number of ways to invest in real estate.WholesalingBuy and holdFlippingDeveloping & combinations of these strategies.

I make more money from park managers than all other forms of advertising combined.