@John Arendsen  no mystery to CF on the debt side they are just HML  and if you equate it to CA lending rules were your allowed to fractionlize DT's they are basically doing the same thing pooling investors into a debt instrument. . they get rewarded with the points and servicing fee's.

KEEP WORKING, sacrifice some stuff such as latest smartphones, fancy new cars, dining out, shop at discount stores, build up a bit of credit (takes a couple years), show a steady wage for a few years, buy a duplex, live in one side, let the other side pay your mortgage, KEEP WORKING the entire time, you will be amazed how quickly you can start saving money when you take large bills out of the equation such as rent/mortgage.  

Both equate to about the same thing in the end.

I maintain separate accounts and I do not believe that sharing money equates to happiness and/or a successful marriage.

They were talking about concepts that sounded like they were part of a physics equation.

Cypress properties usually require a HOA fee and I'd add that on the expense side of equation when I calculate for cash flow.

http://www.wcequitygroup.com/properties/4577620045Cost Analysis Performed as Rental PropertyIn:Rent - $11,100.00Out:(Annual) Estimated Taxes - $500.00(Annual) Estimated Insurance - $850.00(Annual) Property Management (Optional) - $888.00(Annual) Estimated Utilities/Lawn/Misc -$555.00Total Costs - $2,793.00Net:$8,307.00Earn:Total yearly net equates to -$8,307.00Total monthly gross equates to - $925.00

Ive noticed not many people my age are into investing into their future but are more about buying up and eating up all the "hot trends" or going out.I have actually looked into hat route and isnt out of my equation.

You know the neighborhood market and are developing a successful equation, it's ok to have a niche too, if you do it well.  

I come up with an average of $72/sqft with very little variance which equates to just over $130k.