I took a quick peek at your web site and noticed you do both on market and off market real estate, and you've coached investors to help them build their business. 

The more I begin to obtain knowledge about real estate I begin to learn more and more about different fundamentals about different ways to invest in real estate.

There are plenty of mortgage calculators for free on the web. 

I'm even more interested in the pain points HoA managers experience when trying to conduct operations via the web.

As long as you stick to the fundamentals and are making sound investments with the best information you have at the time, you've got to keep moving forward.  

It was long enough to create a major fundamental shift in our lifestyle and break habits and create new ones.

Good fundamentals being near a private college (wealthy tenants and cosigners for renting), hospitals (good renters), and only 10/15 minutes from downtown BHM.

I would recommend you take the following approach since you are a just starting out.1) Read/listen to a few books:Here are a few to start -The book on rental property investing by Brandon TurnerThe house hacking strategy by Craig CurelopThe millionaire real estate investor by Gary KellerBetween those three books, I believe you will have a good fundamental understanding and it will allow you focus a bit more on where you would like to go with your investing.2) Start attending meetups (or create one):Look up your local Facebook investor groups and ask if there are any local investor meetups.

Doug, congrats on getting to this stage.I am not an agent or a lawyer, but check your state dept. of real estate web site.

If there is a net loss – it is usually deductible without limitations.As you can see, there is a huge difference between the two, and I only mentioned the most fundamental rules.