If you work in a service industry or are hourly wages, you want to be more on the 12 month range since you also have higher wage volatility. 

StartEngine.com can take 7% plus you have costs in doing a raise so actually, money cost is closer to 14% too rich for a Real Estate syndication deal. for our Tech industry these are one-time valuation costs and with Tech valuation can grow by 10x as revenues increase valuations.

As you mentioned, if anything the information I will learn will be valuable regardless, which I can appreciate as my day job correlates with the industry.

Data sources: https://www.macrotrends.net/ci... for population change and https://fred.stlouisfed.org/se... for unemploymentMy concerns about Vegas would be more related to its dependence on one industry.

Don’t be fooled - if you’re looking for stable and realiable income, it will not come easy an MLO this is a plant the seed and farm the crop industry.

Those come from biased opinions where they are either misinformed, feel wholesalers are taking business away from them, or had a bad experience with an unscrupulous person (which exist in every industry, licensed or not).I would reach out to some real estate lawyers in your area, ask them first if they work with investors, then if they have worked with wholesalers, and ask some questions.

Over 30 years in the mortgage banking and lending industry.

This takes the onus off of you as the landlord (as you can imagine, there's quite a bit of internet fraud plaguing the industry so the last thing you want is something to come back on you if you're dealing with a tenant's social security number / other personal information).

Privat lending money finds you automatically if you're successful in the RE industry.

Industry wide close to 9 out of 10 agents will leave the industry every single year.