If you feel you've a head start in your IRA / 401K, maybe you can lower your contributions (but still get the full company 401k matches assuming they offer) and divert the rest of the funds to your REI investing. 

I used listsource since it's what all my sources(from books to youtube) recommended.I am currently trying to find pre-foreclosures and tax lien preforeclosures leads using listsource and what I am finding in my market is when I search for properties in my target zip codes (sfr, duplex, triplex, quad) and then select pre-forclosure from the property tab select pre-forclosure my results drop to 0 :/I broadened my search to include all of the Minneapolis areas and I get just 248when I go to the foreclosure tab and select pending auction sale( i was instructed via youtube this is where I'd get people whose houses are headed to tax lien foreclosure but the date of the auction hasn't been set) and set it even a yr out my results are zero!

The loan is only for 70% of their appraised value, which leaves quite a bit of head room to make them whole after they foreclose on me.

@Quin WeidnerI hear back in a month where I will be headed to college this fall.

I've since gone back and read the private money financing section in my books and have watched a few seminars online but I'm still a dear in the head lights.

I've been a general manager for 12 of those years managing 200-300 people, in charge of 10 department heads and millions of dollars in inventory.

I have noticed a lot of 2-3 flats with 2br units, thanks for the heads up.

Keep your head up!

I'm in an office by the Glaxo head office next to the M4 flyover and happy to have a chat if you are passing?

If you got it at a steep discount, then they could even more claim that you might have taken advantage of them (they might have been desperate at the time and were very happy with you buying) and now that they've got their head back together, they think that they should have gotten more money from you and become adversaries.