Over the years I've made some bad decisions and guess still making em, I.e. investing in stocks, over the board lifestyle, kids going to private schools, big house, expensive cars etc.I just turned 40 and all of sudden I realized that I don't have significant savings, what if something goes wrong and I cannot continue working or suffer a huge loss.I had to set a goal for myself and my goal is to earn atleast $25K/month passive Income in next 4-5 years.

(I've worked in online web site development and programming for 20 yrs, but it's getting a little old and doesn't pay as well as it used to.)

You make money on the sale, the home builders earn their money and the new owner is thrilled with their new space.

For what it's worth here are my observations.........1- 80% of the information on investing in real estate being sold ranges from totally worthless to incorrect and or possibly illegal2- another 10% might work under some circumstances but either the recipient of the information needs a much more educated and experienced background than he is led to believe or the circumstances regarding the success of the method being sold are limited to a certain geographical area or a certain type of market3- the 10% of information that has value requires work, dedication, persistence, education to be used successfully.4- Certain types of individuals can self study utilizing free information available online and learn as much or more as any program or course will teach them5- most gurus are not currently successful using the methods they teach; they may have once been successful in a particular type of market or in a particular location, but they are not currently utilizing the method they teach successfully.

I have found 3 pre forclosures owners online and have sent messages, but wasn't sure if folks had more luck calling, sending letters or new media, which someone like me, is very comfortable.

She also mentioned that when they do come on-line, she gets 2-15 offers the next day.

I only manage a small amount of properties but I've been experimenting with online payments for some of my tenants to streamline the monthly payment process.

This is amazing since my LOC is at prime, 3.25%.Even if the market rallies in the fall we are most likely in a long-term bear (imo) and not losing is earning for me.Changing percentage of stocks, taking profits slowly.

I assume just to increase the loan amount and his earnings.

Whether you close this one or not that kind of drive will earn you success sooner than later.