Loans

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I would love to acquire as much rental properties as I could so I can live off of it and retire from my day job someday. Everyone talks about how they borrowed all this money and put only so much down. I’m only a teller at a bank. I couldn’t afford the monthly payment if something went wrong. I don't even think I could get approved for so much. My friend and I have 130k and would love to buy apartments or other types of rental properties. How was everyone else, who doesn't make that much at their day job, able to take such a loan to buy their apartments and other rental properties?