So...if you're willing to be diligent you can get the properties from the same places.I'm putting this out there for those 1st time investors who find themselves getting consumed by information from those out there who call themselves GURU's and want to charge you for their one of a kind secret to investing in real estate.

Hello BP,Long time listener and consumer of information, first time posting. 

just too time consuming.    

Total expenses were $6,800.I'm purchasing my own house in May-June and paying for a honey moon and part of a wedding for my fiancé and I in August which is consuming my down payment money. 

Look them up.Local REI meetings are a good place to find these unregulated loan sharks, but not saying they may not be fair, if they have the money they may be willing to get involved with you, a bird in hand type thing.Finance laws are complicated and a hard money lender limits their funding to commercial transactions, most stay away from consumer lending.

Drop in oil is good for the consumer driven economy.6.

Also PM co cannot simple do wires every day, to time consuming.

The process is costly and time consuming with no guarantee of the approval.

This is easily countered/confirmed by simply contacting the employer for an employment verification.Definitely - I work in consumer finance so I know the pitfalls of underwriting.

I personally like to see the principals on the website I think that lends a ton of credibility to a company.Next thing is being CA based and it appears if they are lending money they are doing it on 1 to 4 unit props and in CA that Requires a license  either a CA Broker license  a Consumer finance license or NMLS registration and State of CA MLO license and those license numbers MUST be prominently displayed on their website or any other marketing..