I guess I have the full spectrum of grief right there.

This answer to this will just depend on the skill of the person making the investments.It's like workers who have the maximum taken out on taxes so they get money back at the end of the year.They are happy as it's the only way they know to save.The other spectrum is people will have the least amount of taxes taken out as they want to grow that money all year long instead of the interest going to the government.I also agree that how you invest will depend on different stages of your life.In the early stages people are more risky for larger returns possible.Then over time the goal is slow growth to keep up or outpace annual inflation.As you get older wealth creation tends to be less of a goal over wealth preservation.It all comes down to do you want to make 200k a year and put in 50 hours a week or make 140k and put in 30 hrs with plenty of time to enjoy it??

Yes, Tom...we know that you need to turn EVERY SINGLE thread into a partisan rant...it can never be the fault of those on both sides of the political spectrum, right?

There is definitely money to be made here but as with ANY investment you have to know your numbers; rather fully understand the full spectrum of adversities that will appear investing in this market...

Obviously, the deals that are all cash rehabs are going to be at the 15% end of the spectrum and those using HML at the lower 10% end.

Since I officially started looking, I've really come across some brokers from every end of the spectrum.

We recently used a Home Depot color called "Oyster" in our last rental, with a bright white for the trim, doors, and bathrooms.Of course, for rentals, we take a little more creative approach since we want the place to look nice, be attractive to a wide spectrum of tenants, and we don't expect them to repaint (at least we hope not without prior approval).

Small balance commercial lenders tend to cover the spectrum of what's out there.

I certainly agree that there is a spectrum and those with the ability to manage things well control their risk more.HOWEVER, there are many things in life that CANNOT be controlled.

You have two ends of the spectrum, on the high end, you have usury rates set by state law as the highest amount you can chearge, most are 10%.