Fredrick,First, a truly passive income would be generating something between 2% and 5%.

You simply need a better lead generation system.I am not a fan of DMM, but this still could work.The order of method of priority isSEOFB ads/PPCDMMJust  take a few steps back.

Acquiring these large debts so early in your life can turn into more of an anchor than a wealth generator. 

Florida does not look like a long-term generational play to me - lol.

As a CPA, I was concerned with the limited amount of reports that can be generated. 

(dude GET IT RIGHT MAN.. sheesh.. its DANCING 4 DOLLARS) D4D.Now, pay attention now.As a master at lead generation, marketing and conversion I will humbly advise to look into SEO.We get a ton of leads for free without spending any money or leaving the comfort of my chair.

Starting a website is not a bad idea, but you should work on that later for passive lead generation.

If a deal does not look good, don;t stress, move to the next deal.Simple.Focus your energy on getting that pipeline set up.For us it is a lead generating website:For others its cold calling, or DMM, or bandit signs.Do you think I am going to stress if a seller is being difficult?

To be successful at REI you need to generate leads.

Because I have personal relationships with people and families who have been in Portland for generations, I find out about deals that would never hit the market because people in Portland will buy up the houses down there like crazy.