And, just last month, they had an unexpected expenditure:"December 2022: The CFPB orders Wells Fargo to pay $1.7 billion in fines and $2 billion in consumer redress in connection with "illegal activity" across several of its product lines."

If zoning stays at the local level, NIMBYs will keep housing production from happening.

I had a conversation with an associate recently about how we are the product of the 5 people we spend the most time around.

Proper Insurance has a great product, they know it and they charge a premium because they have set up an awesome niche that they work well in. 

There are some pretty nice discounts on many products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proI really like the alerts feature that can quickly guide you to current topics that may be of interest: http://www.biggerpockets.com/alerts

Depending on the loan product you use you can put from 3-5% down and live in one unit and rent the others out to help pay the mortgage while you live rent-free or relatively cheap while getting started in real estate.

Aside from the product, look for someone that's responsive, knowledgeable, and is a problem solver.

As a sales professional in my 9-5 job, I was really pumped to have a productive convo with a possible seller no matter the outcome and learn from it. 

That way "if" something goes wrong, you are productive and can take the proper steps to evict or collect back rent.

With little to no income, there are loan products called "DSCR" available that doesn't require you to have a personal income but down payment requirements are usually 20%+ down.