Hi Yates, welcome to the world of real estate.

Once you cross to 5 units or more you enter the commercial/multifamily financing world.  

I went there 2:00 in the afternoon and she was laying drunk, on Joan's bed with a bottle of Vodka, sleeping with out a care in the world.

Problem is- we are in uncharted territory with central banking throughout the world.  

Not a single hard money lender in the world, or ANY credible lender would ever in a million years offer something like that.

We thought that getting a license would help my understand the real estate world better.  

In the apartment world multifamily is five or more units, anything less is residential.

Yes, in a perfect world, scraping it would have likely been cheaper and definitely quicker.

Still trying to narrow down a niche and strategy, somewhat torn between the allure of cash flow from buy-hold and renting properties, and the, what seems to me, less stressful world of wholesaling. 

Recently voted in the top three places to visit world wide in a New York Times article.