The entry-level Quickbooks Online software itself is expensive $250/yr... that's not even adding up potential books/courses, CPA fees or personal tax filing software like Turbo Tax.

I have a preliminary call in a few minutes with a person that wants to get into private lending and wants to engage our loan consulting side to assist.

These forums are not for personal attacks mentioning someone education as you feel its the only qualification to be an investor….

I personally have mine through USAA.  

How would you explain these buyers terms to the seller. ok. 30 year amortization means the monthly payments are based on a 30 year loan, but at year 20 whatever the balance is they pay it off then (balloon payment)Personally I would NOT accept any of these offers.

I don't mean the following to sound discouraging, but I would encourage you to be extremely cautious and conservative before buying a random property in Dayton because someone - a property manager, an agent, the seller of the property, some random person on BP - tells you it's a 'great deal,' and you will 'cash flow.'  

I have no idea how she got my personal email address:"Hi I am at xxxxx Tucson, AZ.  

Interesting, you do the in person follow up after they agree to terms? 

David,You can also use a personal loan which is generally easier and goes up to $50K. 

Then you have a person in that market if you get an investor deal.