An avg buyer should just DCA into broad low-cost, load-free index funds.

I mostly work in low to moderate income areas anyway so it checks all those other boxes.

Focusing solely on numbers often leads to the purchase of low-quality properties.

I will follow the advice here to keep high deductibles and low premium and save the premium for any contingencies later.

Brandon Turner wrote a book for BP called Investing with Low or No Money Down - start with that.

Quote from @Arshiya Taami: Quote from @Brandon Croucier: You have 600,000 problems.Bridge lenders (HML) Want low LTV (65% Max Typically). 

For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

There is a book in the library called "Low (and no) Money Down" that discusses the various methods of financing purchases.

So I had a windfall and can sort of "semi retire" with a part time low stress job. 

Main benefits to this strategy include:- Low down payment options (as low as 3-5%)- Acquisition experience- Property management experienceThe NYC metro area has nearly 2,000 available 2-4 unit listings on the market.Other new investors consider the BRRRR Strategy.All the best to you on your journey!