There's no magic formula - it depends on individual financial situations, risk tolerances, etc.

I don't know a soul in a real high net worth that has it, I see people maybe under $10,15 MM use them and think they're magic.

This is also known as a "magic lease" and it will qualify you for mortgage fraud if you are caught.

You are missing the magic of compounding interest.

end of the day its all on you.. 40k is not going to magically make this happen. 

@Ellen FeissI would put in the coin op, and magically, the machines will be running 50% less.

It's as if he's looked at where things are going, looked at the forums, and magically stumbled upon his own organic opinion.

I cant tell you how many times I've had to explain to investors that there is no magic DSCR wand that eliminates the personal credit risk/impact or allows them to borrow 100% of the purchase price or whatever. 99% of DSCRs require a PG which WILL impact DTI on any future loans, whether SBA, mortgage, consumer, etc.

What is unlikely to work is not doing anything to create financial independence and to expect that it will just magically happen.  

I realized it would be much quicker if I could get access to a well established network.That all being said, joining a group is not the magic bullet.