Comment the single action you are taking before next Saturday. Send 20 letters. Call one landlord. Walk one property. Ask one seller what they would do with the money. Write your screening criteria. One action, one comment. Next weekend I will come back to this thread and check on every single one of you. That is the deal.

$41,600 loan. 8.5% interest. 20 year amortization. What is the monthly payment? First person to get within a dollar gets tagged in tomorrow's post. No calculators is more fun but I cannot check. This is a real loan from my portfolio, the one we call the Birdhouse. Micro payment, real building.

I have never once opened with the words seller financing. The conversation goes like this. I ask about the property. I ask if there is a mortgage left on it. Then the question that does the work: what are you going to do with the money? Most tired landlords do not want a pile of cash. They want the headache gone and the income to stay. Terms give them both. A note pays them monthly, often with less tax pain than a lump sum. You just have to let them discover that they want it. Then I put a one page term sheet in front of them. The free Start Here course walks the whole conversation. Have you ever asked a seller what they would do with the money? Try it this week and report back.

One word answers. Money, sellers, fear, or paperwork. Comment which one is holding you and one sentence of your situation. I will answer every single comment with what I would do in your spot. No wrong answers. 25 of my 43 buildings took nothing down toward the price, and I still remember which of those four words had me stuck at the start.

I've been in real estate investing for almost 10 years now and I'm mainly here to learn from people actually doing this day to day. I also run a small software company, but that's not why I joined, just want to learn, add value where I can, and get to know some of you. Feel free to say hi.