Either way, I wanted to say I appreciate the comments, hope the situation in Ohio improves and wanted to voice my support for those giving Dave a shout out.  

Feel free to reach out to me if I can help you in anyway, we can take it offline, for discussion, be glad to help and be vor/voice of reason.....Annie

You have other voices that can post an opposing opinion and be heard.

Everybody has a voice and, for the most part, all users have Freedom of Speech unless they are straight lying or causing harm to other users, hence why we have the Mods. 

Now if you are seeing that almost everyone has a college degree except for a few outliers whose actions did not follow any particular course you can duplicate than its time to drop the lesser goal for the greater goal, suck it up, go to college and establish yourself in every meaningful way that will get you to where you want to be.My personal advice is just one of many voices but I'll give it.

I think that one of the most credible voices on coronavirus is Dr.

When you put your goals out their there is a natural accountable to voicing those goals.

Anyone listen to macro voice podcast with erik Townsend?

This is generally not the case with wholesaling because you are selling to an investor who is counting on the market, in the near future being as good or better than when they buy it from you.I’m just another voice for you to consider.

I was too young foo 2008.I don't think I'm the smartest voice in this room, but my opinion is that you need to focus on your entire operation more than just your LTV ratios. 100% LTV with 12 months reserves is conservation while 50% LTV with 1 month reserves is a disaster waiting to happen.All of my properties are leveraged 75-80% LTV.