I’ve also launched half-a-dozen digital products and tech startups, including one social network.Digital projects are fun but I also enjoy brick and mortar projects too!

Of the larger banks, Wells Fargo and BB&T have loan products starting at $ 250 k for small apartments.

Plenty of ARM products but only a 15 year fixed.

I'm make call everyone today and do at least an hour of calling a day until its second nature.  

You deal with a product, clients, budgets, accounts payables, accounts receivable, taxes, etc.

The contractors card also has discounts and being in the contractors club gets you additional rebate amounts from 1% - 10% depending on the product.

The liability paranoia is a product of gurus and attorneys scaring people to use their services, mostly, but properly run they are another hurdle to overcome.I would not be concerned with a 4 plex in my personal name with better financing, if I were going to have 20 properties, that becomes a business factor.

And I am trying to learn more about an entry point, or starting level in real estate, rental properties and the like.I did work briefly as a sales-man in El Paso Texas, long enough to learn the basics of salesmanship, and decided not to go all in on memorizing the specifications on the products I was supposed to be selling, and rehearsing the companies sales pitch for door-to-door sales, or telemarketing.The problem I am having isn't so much a business plan/game plan, as it is initial financing to get the ball rolling.

Period.Much of what I dump in these forms is not just my far fetched opinion, it's based in end lending requirements, appraisal requirements and how seller financed transaction are viewed legally, has nothing to do with opinions of how to twist another dollar out of a borrower or lender, which, by nature is part of the goal of an investor.I realize that setting a price above the true market value has been common and justified by all sorts of false economies, but after seeing how people screw up loans and having to fix them, next to credit issues, equity in the deal is the reason these deals blow up.We really can't say what is best in this deal, all we know is that the seller is in his 40s.

If you have that many leaves in your downspouts you might want to consider a product like gutter helmet or something similar.