And you can also put an inflation adjusted dollar figure on each one as well as a timeline when that money might be needed.

My take on TT is that they give you just enough info in everything they do to remain interested and get hyped up, and then they push hard to sell their coaching. 

Were super happy we didnt panic and remained calm. 

I'm looking for a lender that will move forward in financing the remaining 70-80%, in 1st position, alongside a seller 2nd of 20-30%, totaling 100% CLTV.

We could have therefore remained in compliance with the rules to only have one FHA loan at a time but not needed to wait so long to refinance after the first year expired because the other person would have been eligible to open a second one. 

Is there anyway to use the remaining 40% on the following year? 

low cashflow high appreciationNotes purchased in the secondary market at discount to remaining principal balance have the built in capital gain profit with potential for greater ROI thru early payoff or early PARTIAL paydown.  

The great thing about real estate is that it's (usually) a leveraged bet on long-term inflation. 

However, here's a general guideline that you might consider:Stocks: 50-60%Stocks offer the potential for long-term growth and can help protect against inflation.

Set pricing appropriately to ensure the business remains sustainable.