My day job is in digital marketing so I am happy to help you on that end as well.Thanks everyone, hope you have a happy holiday!

The latest edition not only has print versions of all his recommended forms and contracts, but he'll send you free digital versions as well.

  - financial systems : it sounds a bit trivial but I had to try a few things before I managed to get the right bank account structure that is simple yet effective  - finding good deals : deal flow is getting hard in florida as the market has been heating up, and finding great deals has become rarer and rarer  - since I'm still at single-digit # of properties - haven't really started seeing my opex get more efficient yet, nor had the time to get "bulk" discounts on things like property insurance, materials etc. maybe i'm not spending enough time on this yet, but my intuition is to focus on this once I hit about 8-10 properties

With regard to your question about hindsight, you might be interested in this article on BP and this ebook entitled Real Estate Rewind. 

I started reading the ebook that biggerpockets offers and I have learned that I don't need funds at the moment.

I tried to adjust mine I couldn't figure it out.Bigger Pockets has various resources: ebooks, blogs, forums, podcasts, webinars, colleagues, an awards system, a learn section, informative people in many fields of real estate, and more.If you have time consider spending 30 minutes for 30 consecutive days on Bigger Pockets.

Bigger pockets also has an e-book on using biggerpockets to grow your business.

While gold may be a good hedge against some bad scenarios, it doesn't generate any income.Hard money loans are generating double digit returns.

FYI- Bigger Pockets is featuring 2 eBooks by "J Scott" (an expert investor) that are basically like textbooks for this business - I bought them & they are well worth the $29 for the digital versions.

Cali got hit hard so, like I've said all along, there will be years of double digit %increases.