He also told me never to have too much money in the bank for fear of getting sued and them taking your capital.

They can choose to hang up or to talk with you.Don't let fear stop you.

I have no fear in investing without seeing said property or area as long as you do all your homework.

he bought his home to the tune of 400.00 Never fear striking up a convo. :) 

They're not doing so hot, and many of the out of state investors come in breathing fire and run out in the middle of the night white as a sheet and in quivering fear someone will hear about the shaved Steel City orangutan they woke up next to.

Dave Ramsey offers good solid advise for the average middle class slob who can’t control himself but his approach is so conservative in this day and age that you won’t make much for fear of risk and you will save till your dead using his methods . 

I'm in the motion of finding my first property as well, but the fear and analysis paralysis is tough thing to overcome.

Now, I think mold fears are overblown, but its a real issue when you go to resell. 

The "leverage as much as you can" ideology rubs a lot of people the wrong way, but there's some validity behind that fear. 

I do have a tremendous amount of equity in my own home I'm just nervous about tapping into it for fear of if something happened to the market or to me (the main source of income for my family).