I went for 4%, so I could spend less out of pocket.

The hard part is to educate a home buyer that they should spend 90K on a home, (80K purchase and 10K my fee), and spend the next year doing a minor rehab which would cost them maybe 10K rather than spend 130K on the next door house already fluffed up.I was usually in my car by 7AM and rarely finished before 10PM 6 days a week.  

I'm a fellow investor on the north side of the city and spend a lot of time researching properties all over this area. 

Just spend time on BP, go to some local meet ups and listen to podcasts.Feel free to look me up if you’re ever in the Raleigh area.

We search online and also post our own ads to get applicants, interview them, try on the ones we like, if the trial is good, we keep using them.Now I think being remote is not a problem, as long as we make finding right people and setting up the right system as our one thing, spend more time online to build the local network.

I have a good paying, secure job making 6 figures and I don't spend much money.

I am not going to spend my time doiing what I am paying for. 

My questions are:  1) if CI and friends are so "excited to lend you money" why is it so hard to borrow with good credit +cash without the lender spending all of yours? 

You got yourself into it and can certainly get yourself out of it.Trim the fat...If you're spending too much of your income and falling down on your obligations, the party is over.

Plus paying mortgage insurance of approx $400 a month is not my favorite thing.Here is my options:1) buy multifamily (if I find a good deal), spend all my cash and pay $200-$300 less than my current loan and be a landlord2) Buy turnkey property out of state and get $300-$400 monthly cashflow3) Implement BRRR strategy and buy rental properties out of state.