I love doing what I do, and I would not trade places with anyone, nor trade my life experiences for anyone else’s.I am driven by the belief that life is short, and we need to ‘make a difference’ in the short time that we’re here, because after all is said and done, it’s really not about ‘us.’I am a Real Estate Investor.

Only a handful of wholesalers will survive this summer, with the market so heavy with newbie's and the educated public only the most driven will stick around.

For me a bad attitude is enough to turn down a tenant, but hopefully you can find something else during the application process to refer to when declining his offerBeing an A$$ is not a protected class.  

I have driven all over and built a list, now I am now working on building a very targeted direct mail campaign.Any help would be greatly appreciated here.Max

For e.g. if there your tenants get laid off or your sub-market suffers from employment issues, your rental income will go down, your NOI and hence, property value will go down.In the case of a lender-driven downturn, especially in a particular sub-market, where the credit markets freeze up (even for a short period of time), again your property will suffer (regardless of how great of a cash flow machine it is).

This is even more profoundly true with buy/hold long-term rates, which have been driven down to the low 5's and up to 80% LTV.  

The market is driven by home buyers not investors.

I've driven through Pueblo a couple of times lately and I'm puzzled by a BIG construction project going on EAST of town.

This is true...there is an absolute value to being goal/answer driven.

Without seeing what you are seeing (the answers are in the loan documents you were given) it is hard to determine if you have a I/O 10 YR ARM or I/O 10 YR Balloon (both loan types can be amortized to a 30 yr schedule).