You have to remember Dave Ramsey is deeply religious and his methods come strictly from the bible and that's why becoming debt free is so important to him.  

However, she religiously opens and reads every piece of mail and believes each word contained therein to be honest and true.

I'm not a religious person.

Then your kids inherit at a stepped up basis and depreciation starts all over again and they decide to continue on this same financial freedom plan and NEVER do a straight sale and keeps 1031 exchanging or refinancing, they can defer, defer, defer and die too.You need to start by reading Multifamily millions by David Lindahl, Loopholes of real estate by Garrett Sutton advisor to Robert Kiyosaki and listen religiously to Del Walmsley's at Lifestyles Unlimited.

I've subscribed to Paper Source newsletter in the past, however there was too much inclusion of the publisher's religious views, so twice I unsubscribed.

That old religious saying "But for the grace of God go I" applies tenfold when it comes to investing, especially in real estate.

But it rewards, professional property owners who religiously raised rents and have tight rules. 

Then trying to tug at the religious strings.

I texted him about it and he calls it harassment, he is not smoking, it's religious candle.

Since taking out a loan is not feasible for me due to religious constraints, I am interested in hearing your suggestions on other strategies to improve my cash flow.