I wish it had been around when I first purchased, would save me $200 a month on my loan.

So while I'm saving and searching for the right property to have as my first investment, I've been doing tons of research and began listening to the bigger pockets podcast which led me here.I currently manage the service end of a new car dealership, but am looking toward the future and some day retirement and want a way to secure financial freedom.

I just moved here and have saved up enough money for a 3.5% down payment FHA loan plus more for other things such as closing costs, attorneys, etc., but nothing close to a 20-25% commercial loan.

I don't want to use my personal cell phone number in my marketing and I also need to track and save calls I may miss when I'm not available to take calls.

Haven't focused too much about learning tax advantages to real estate, but I know when done right it can save you a lot, so I'll be sure to check out these resources

The average person across the country has literally nothing in savings... and if they do they for sure don't have an extra 40k to plunk down on a house.

Listen to the seller and clue in on the reason they are selling.if she won't call back or answer your calls, send a nice letter apologizing (if you think you have some to apologize for) or just something saying "thank you for your time, i would still like to talk to about the sale of your home"....maybe a thank you card for her time and consideration......a gift card or offer to sit and buy her a cup of coffee...... again trying to resolve any issues that may lead to you closing this deal....you worked hard for this lead (i presume) dont just give up!....

Can that be used to reach out to sellers to save them from foreclosure?

Some people have given him a lifetime of savings with nothing in return.

Savings, equity line, personal loan?