No matter what the issue, what the problem, what the obstacle, what the risk -- it is YOUR FAULT.I wrote this article over seven years ago, and I consider it the most important thing any new investor (actually, just anyone) should read:https://www.biggerpockets.com/renewsblog/2010/02/1...I've done several hundred deals since I had this revelation, and I've found that that the only time I ever really stress is when I forget the most basic rule -- it's always my fault.

Talk about risk taking and stress.

and I stress to you again...

You can use anyone and your rates will be comparable and this is what I think isn't stressed enough in the mortgage loan industry.  

It will save you sleepless nights and stress.  

Both me and my partner have very demanding full time jobs and we just don't have the time or need the extra stress of dealing with a project that needs renovations in it.  

But to me you can't compare this with a young person who's come from nothing and/or adversity that had to actually work at building up their credit score ...working several jobs to save up money for a down payment...begging for a bank loan without mommy and daddy co-signing....coming from a family who didn't teach them about money/real estate and having to self educate ... having no one to change their dirty diaper if they get in financial trouble like an eviction, repair, market downturn, or loss of job etc plus whatever other stress, guts and smarts it takes for those young people to buy a 500K house.  

Also, knowing that if something went wrong and we ended up taking a loss, I'd have someone to help ease the blow by splitting the money took a little stress out of the situation.  

What a stressful thing, though.  

He was stressed *every* month through the process because he had a mortgage.