On a per unit basis its easier to explain... if you can tie the individual apartment unit remodels to expiring leases then you may have a path to reducing your mortgage (by increasing your rental income).

@Jessica FreeseLendingHome should be able to lend to individuals; they just charge a higher rate for it.For the EIN requirement, are you saying like get an EIN as a sole prop? 

NOO probate either tax delinquent or preforclosure.I’d be at the public records office or courthouse or if it’s available online I’d be at Starbucks Then I’d go meet with them, I’d skip trace or send a white letter then show up on a Saturday between 12-4pm

Have been bidding on online  auctions, haven't won anything yet, but it's only a matter of time.

I am also taking online classes paying thousands of dollars every semester on a degree i can care less about which is really not gonna change my salary it will probably drop it if i decide to use it.

However, my concern is that if I purchase all four as separate entities (which I think is the smartest way to go so I can sell later with no problems), the closing costs of each individual purchase (total of four) is going to be crazy.

I think debt preferences are completely up to each individual person.

My online bank now pays 1.5% which isn’t great for an investment but is good for savings accounts.

Many REO's have an online system to submit offers that go directly to the asset manager making the decision, and the REO agent, is acting as more of a property manager.

Instead of giving whole house to single family, I am thinking to give each room to individual on rent.