My parents think i'm crazy and should stick with engineering or something like that. 

They may be willing to waive FM guidelines, or might stick directly to them, but they have a lot more leniency in their qualifications.

But how does Cozy make money if you stick to ACH and not CC?

I have heard from successful wholesalers that no matter how low you feel your offer is stick to your numbers.

Also if I should get into flipping them or just stick with rentals and owner finance

This is a long and crazy story so I will just try to stick to the relevant points.

When I rent to good people at a little less than I could get, I provide decent people good housing without sticking them for all I could get.

Long term, I'd rather stick with hold properties, and sell only if the profit is worth more than keeping it.Since I've learned a lot about REI and how it works, now I'm looking for the other options out there when it comes to financing a multiunit property besides the traditional home-buying method, what to look for in a property, then how the properties are maintained physically and financially.I'll more than likely share my journey here (since this is the only place I can talk REIs and no one looks at me confused!)

The question were tricky on my test but I think it you read it and understand the info the right answer will stick out on the test.

@Jay Fisher come join the local meetups and get see what sticks.