Instead they have been, PMC companies wanting me to jump on board with them. 

I've been on this board since 2010 and haven't found an example yet.

For example if you're in your 20s and have high income you could maybe take more risks than if you're in your 30s/40s with kids at home with a less disposable income. 

I serve on the board of our local REIA (Central Florida Realty Investors, CFRI) and this would be a great place for you to network with other local investors.

I am actually on the board of CFRI the local chapter for the National REIA.

You have come to the right place to begin your investing journey.Awesome board with many smart people having own suggestions and ideas to grow wealth!!

I didn't go over board, but having to buy dining room table, 2 beds and sofa and table for my living room added up and for $50 I was able to delay paying by 6 months interest free.

Both kids were starting school now and it was time for me to build back the old me.

And they definitely needed that $200,000 for this renovation project, because as you can see, they and a lender who deployed the funds for this would likely be boarding a sinking ship. 

If you are in a relationship and want to invest, there is one thing you must be sure of before you start your journey.You have to be on the same page about real estate investing.Almost every story of a successful investor has a cooperative partnership and agreed view on investing as a couple (and a plan for the kids if they have them).Both parties don't have to have the same level of involvement.