Hi Andy, Welcome to Bigger Pockets!

My point is that unless you have extensive experience, huge pockets, and balls that hang to the floor, now is not the time to jump in there.I find it amusing that every little scamper downtown is broadcast across the community like downtown is dramatically metamorphising.

I think most landlords who only own 1 sfh never intended to be landlords or investors. most of those ended up with the property either through family or buying a new place and not being able to get rid of the old one so they rented it out. if you do manage to find any that are investors you may need to change the sales pitch, first theres 2 things that annoy most people1) cold calling ..better be careful with that one since the laws changed, i have all of my numbers on the national do not call list and violators can be sued2) door to door sales....ummm yeh..again careful with that too depending on your state laws you could end up with some bullet holesif you decide to make a few calls, make em to places with more than 1 rental ad, those tend to be your investor typenext, business minded people want the facts, how can you help THEM, how will you put money in their pocket?

The hard money lender will escrow the extra money so your contractors can bill escrow directly and you don't have to pay out of pocket.

there are many ways to raise capital - IF you're willing to do what it takes to get there.other investors will tell you that you can start with not ONE DIME in your pocket.

Will the amount you can collect in rent cover that and still give you a few hundred dollars in your pocket each month?

Let me give you an example on buying a house for full market value, with no money out of your pocket, picking up a quick $5k up front, some positive cash flow every month, and a nice payday on the back end.... plus where talking about dealing in NICE homes....NO junk properties!

Their fee comes out of the money given by the insurance company, so no money out of your pocket, but the money they can negotiate for you can be considerable higher.

I am looking for helpful advice for paying health insurance out of pocket.

I would recommend using "the sandwich lease Option technique", there are a lot of sellers with homes that aren't selling that are willing to do a lease with the option to buy on their home without any cash out of your pocket, have the contract be contingent upon you finding a tenant/buyer.