And of course, I would like to improve my ROI.I am willing to take action as needed, but not until I am ready.

I also used a few credit cards and a 401k loan which is what contributed to my holding costs.

The 3% the agent made the buy side cost you nothing of course, and she does have some work/liability associated with that.  

And stay connected on here of course.

i just finished investment course on-line, What looking to learn more of  buy, Fix n flip, fast cash & cash flow etc....

My personal opinion is to steer clear of the infomercial courses.

Have good credit (825) last it was checked, and have about 40k equity in my home.

I started doing some home flipping from 2001 - 2009, then got into buy and hold.I am at a cross roads, so I recently sold some properties, in an effort to have a portfolio of quality over quantity.Not exactly sure what my next move will be, the big challenge for me has been learning about tenant issues, and dealing with some unexpected repairs, both my wife and I took a course and are IPOANS CAM Certified (Certified Property managers).We only manage our own properties, plus have a couple of hired property managers to help with some out of town units, however, I have been studying tenancy rules, laws, and have become addicted to answering property management questions.What attracted me to join this site, is all the different types of real estate investment people are involved in.I look forward to participating in the forum.Michael P Currie

I ran the Transunion SmartMove background check with credit report, criminal history, and eviction report and it came back clean, but had to reject two other applicants after their SmartMove scores came back low for low credit scores and numerous pre-eviction filings at local courts.  

When you do, their name appears in your post highlighted in blue and biggerpockets sends an email to us and we can know you are talking at us.Secondly, in my post I was warning you that folks would criticize you for your low returns not suggesting you change course.