Thanks for the encouragement Jerry!

I have business cards with my name, business entity, and my picture so people can put a face to a name (add a personal touch to each one, i think).So I encourage you to take action and start looking into getting a business name/entity, but take the great advice from some of the people on this thread and make your own business cards for now with your name and contact information.

I would encourage you to meet with people in the area that are active investors and learn from them.

so i was talking to @Scott McMahan offline about this too (arm vs traditional). although it does protect you better in case anything happens, the arms eat up your monthly cash flow.I talked to Scott's guy (thank you) and he said he can do 5 yr balloon at 15 yr amortization. this means i'd have to pay $600/mo payment (double) and total payment would be around 900-1k with tax and all that stuff. my rents are between 1k-1.2k, so that would leave me with $100-300 cash flow if i am lucky. one roof job or a 2 month vacancy and i'd be underwater.yes, i build a bigger/larger equity quicker, but going back to Ric Edelman's philosophy, why do you want to put all your money in bricks and pay it off early?

An addendum is possible, however, so we encourage you to pursue the issue with property listing agent. - Hubzu Social Media

But I want to encourage a debate and discussion based on this news.

Thank you Eric Blanchard and Blake C for the encouragement.

Take the scenario with a higher IRR.I have no idea what is better with your investment philosophy but personally, I'd like to keep as much working capital as possible to close other deals.

But even the random required courses that I took in school like Philosophy, History, Writing, Spanish, etc., I believe they were helpful.

I would still encourage you to stay rent free while you're doing your first deal.