And to back up, if I had not had a formal education I doubt I would have seen the opportunities in other industries or have been accepted by other professionals (socially and professionally) to earn a seat at the table so to speak.As an example, I made a home loan to an engineer, then he came to me for a business loan.

Property is so expensive in Australia so we are constantly stunned by what you can buy here, and so many are cashflowing really well.We've just had a bit of trouble organising property management too, I guess its very easy and professional in Oz.

What really keeps that going are the professional students as Ph.d, MD, JD students.

If you want to buy liens or are building a strategy that is not common speak with a professional in the state that really knows the rules.

When a tenant stained it, with professional cleaning, the stain would generally blend in and if not, it was easy to cut out a piece and patch back in with some original leftover scraps.

When flipping houses in short time periods do you believe it is better to contract the services (i.e. painting, landscaping, and minor improvements on the scenario that the house was only needing minor cosmetic improvement and you were able to get it at an undervalued price) to get the job done quicker and more professionally so as to have it back on the market quicker which in turn will shorten the months in which you will pay the mortgage payments on the house, or is it better or equal to do the actual jobs yourself?

People like me always need someone to do chores that I don't have time for and can't afford to pay a professional to do.

I have professional logos on the vehicle.

There is no one book, or one source, other than an experienced professional, that can begin to provide enough localized information to enable you to make informed decisions.Expecting that all "Real Estate Professionals" should be able to properly advise you regarding investment property is like expecting all Doctors to be able to perform heart surgery, or all accountants to know the intricacies of the tax code.

- As a mortgage professional, how do you think this new governance will effect your business (assuming that this bill achieves national acceptance)?