I have been speaking to the folks at Hamza Invests and they are confident that it can be delivered for much less based on my land costs but I don't want to fork over the money for their program and find out my instincts were right. 

I am starting from ground zero, with no prior background or capital to invest, but with a strong desire to create passive income for my family.I currently work as a middle school teacher in California, and while I love my profession, I have a strong desire to explore avenues that could potentially provide financial stability and additional income streams.

Her office is based here out of Gainesvillle. 

Look for a large single-family home or multi-family property in a good neighborhood with a strong population of renters (college students, hospital workers, etc.).

I am new to real estate and based out of LA looking to learn more about out of state investing! 

Does your opinion change based on that? 

But the overall ROI is based on the year.  

A lot of companies, entrepreneurs, people with strong family values.

It seemed like they didn't have much data for my area, and looked like they were applying the same comps for the whole zip code, even though my area can vary a lot based on the sub-neighborhood. 

Guess who the E & O carrier's claims department goes after for reimbursement based on the broad indemnity language quoted in this chain?