Until there is a stable rent roll it is hard for a lender to know what is the right amount of debt the building can service.

I am a retired builder form Costa Rica.

In my city home appreciation ran 6.7% Q3 2007 over Q3 2006 so we're fairly stable vs. the coast where appreciation isn't even running 3%.

My dad works more on the developing end because he owns a civil engineering and land surveying company which is a great resource for me.Also, I have a friend that I've known for most of my life who retired (from "having" to work everyday) when he was 33.

I am a computer engineer (Chip Design), I retired in 2000 after the company I worked for, completed a successful IPO.

This should generate some experience for me and should also provide a somewhat stable income which I can use to start some of my own investments.

Hello,I am also thinking I need to have a "stable" of hard money lenders, even though I want to wholesale, just in case I do a really good deal on a propety that has high equity, and I am able to do a short sale, and buy the property quickly, later either reselling to a retail buyer, or refinancing it for a long term hold.

This has been fairly constant for the last 5 years and should remain fairly stable.

Mike the plan was never to develop a large real estate business the plan is to own a couple nearby rentals with smallest mortgages and low expenses therefore yielding as much + cash flow as possible..Therefore my work pension + investments + real estate cash flow will provide a good retirement monthly income...To be honest I have a pretty kick back stress free R.N job that pays a little over 6 figures with full medical benefits for me and my family not to mention life time medical insurance for me and my spouse when I reach 25 years of service.

There are many different ways to get creative in doing real estate deals, seller carry backs, partnerships, private lenders, using other collateral, using money from retirement accounts, exchanges, trades, etc.