I'm looking for opinions on finding a balance between keeping some money in the bank or paying off personal debt, low interest but freeing a lot of time and working as a safety net or a nest egg for the perfect deal to snap up or investing more aggressively trying to build a bigger portfolio but undoubtedly in my case sacrificing time.

I decided on:A targeted list that after address verification totaled 998 addresses which was perfect because I wanted a sample size of 1,000 but the list was 1,225. 

A lot of us (myself included) get started on less-than-perfect investments.

It's perfect when you don't want to use tile, but require a nicer finisher than the thin HD cut to fit surround. 

What you describe makes perfect sense.

@Jay HinrichsYep, it's a promise to pay and has little to do with settlement, default on the deal, pay the note off or you could be sued.Going a step further, buy the place with 100% seller financing, close the deal, title goes to you as a buyer, then, an hour later, sell it for cash, payoff the note, there is no sneaky settlement statement trying to hid fees, perfectly legal and ethical with an informed seller.

However it I have recently adopted the "imperfect action is better than perfect planning" mindset, so no more lurking.  

Isn't that perfectly legal?

You are the perfect example why we need laws to protect the public.

Luckily, you're in the perfect place to learn about the difference between the good, the bad, and the ugly, and hear stories from experienced investors that have learned to tell the difference.