All they wanted were instant gratifications that doesn't involve any work. we the investors today will face the same challenge of teaching our kids about investing and they only have one parent not the rich dad and poor dad .

If you need instant gratification then you will probably give up.

Also... do you have to have 20% cash down if you're buying a house at a great deal with already more than 20% instant equity in the place, based on buying price and market value?

The difference between your offer and the FMV is your instant gain.

If the payment is $150, we calculate it at $150.If the student loan debt is deferred or in forbearance, we have to use a completely idiotic calculation that will instantly nuke your DTI basically no matter what.

Once you approach the right house, I'm sure, you can work your persuasive magic face-to-face and do an instant assessment of the home right there.

Send me your contact info thru IM and let's schedule time to talk.Jason No problem trying to figure out the instant message thing..

Even when I bought my current residence, with what little a access I had to the MLS, I knew I was going to have instant equity with some cosmetic upgrades to my home. 

Instant equity at the buy.

I just recently discovered the biggerpockets.com podcast and instantly became hooked.