I'm a real estate investor and am looking for a value add opprortunity that will generate a strong ROI as a short term rental for the months I will be in Michigan.

I moved to Folsom in 1989 and am a third generation Sacramento area resident.

What I can tell you is that a properly run lending operation is normally able to generate a 5% spread between the cost of funds and cost of operation on an average.Do yourself a favor.

I currently own a small retail building in Vancouver, BC that is generating modest returns with a 5% cap rate. 

Was originally financed via conventional loan, then a few years ago I had enough cash to pay off the loan so I did, now it is free and clear and generates positive monthly cash flow with very little expense.

Why not other forms of Lead Generation? 

Again I never have done what you do so maybe what you are doing simply is the way to do it.. but if that was the case, I would absolutely not do it that way.There are WAY better lead generation methods I promise you that!

Fredrick,First, a truly passive income would be generating something between 2% and 5%.

You simply need a better lead generation system.I am not a fan of DMM, but this still could work.The order of method of priority isSEOFB ads/PPCDMMJust  take a few steps back.

Acquiring these large debts so early in your life can turn into more of an anchor than a wealth generator.