So my next thought is maybe building a efficiency apartment.

It's hard enough to hit a target you don't have, but also hard to hit a target you don't see clearly.Equity has value, but that value is volatile, as we have seen thru the recent crash.

I want to know about getting deals,what are the best methods or programs to get tax liens, probates, foreclosures, etc before they hit the MLS 

Need something hit me up

I am still trying to stay in the retirement mode and devote my time to the care of my wife but when I am out in the car it is a tough habit to break when I see something that might be a deal and I want to hit the brakes and check it out.

The more the exposure is limited the smaller the chances of hitting the bid a seller desires.  

My credit took a hit in college and right after college (defaulted on student loan).

Once I get my license, I really want to hit the ground running.

I love to visit and hit the slopes.

We often hit the snooze alarm for just five more minutes.