I initially only got licensed for that reason and to have more tools / potential access to off-market deals, credibility with sellers and knowledge.

Quality, experience, knowledge, track record of sponsor2.

Those very high returns come from the combination of the very low mortgage interest rates and the steady capital appreciation.Regarding my investment portfolio, I'm still in a growth phase and a phase in which I help an partner with other investors so that they can invest in the most profitable opportunities without having the necessary presence on the ground, time, knowledge and contacts, which is something I really enjoy doing.The biggest hurdle is finding the right opportunities in a hot market, although it's a matter of time, for me at least, so it's not really a hurdle.Legal aspects aren't a hurdle from me because I studied in my native Belgium and have been based in Quebec, both of which have a similar legal system to that of Spain and Portugal (civil law).As to regulations, in Spain, it's a matter of investing in the areas and type of properties that are least affected.

Welcome Andrew, sounds like you’re starting from a great place, especially with local knowledge and family ties in both of those markets.

@Arun Maheshwari,To my knowledge, there isn’t a dedicated site for seller-financed deals.

However I do not want them to demolish the house without my knowledge, hopefully they can't do that seeing I'm in communication with the city.

General advice: use a knowledgeable independent agent. 

In just a short time I have a seven figure portfolio that I would not have had without the knowledge and the accountability that this program provided me.The systems and the process that were shared helped my business tremendously.

Stick with it, ask questions, and absorb as much knowledge as you can — the experience will come.

Take some RE courses to improve your knowledge, competence and skills.I get it though, we all have bills to pay.