There no reason to wait any time or have any “whichever is lower” rule come into play.

I 100% think you should add a hot tub even if it just a plug and play one that is reputable.

My freshman year of collage I played division 1 football in Pittsburgh at a school called Duquesne.

Of course, there are several factors that play into this:How much money do you actually have to put into the deal?  

If you told him you have been playing pickup games for the past year and need help improving your jump shot, now he has evidence you're motivated and a specific goal he can quickly help you work towards.

Playing devil's advocate here, but if you don't personally know how to operate a Coffee Farm, then how would you know the operation is well run?

A few folks have talked about leveraging a HELOC in the future, but if you don't have other assets to back up that play and things go south it could force you to sell your primary home - that gets real dark real quick.

Sure, you can play semantics and explain the differences between them - all that doesn't matter.

If you are a doing an infill build-to-rent, that's fine, but in the current environment, it is very difficult to make any cashflow so its a 100% appreciation play.

He totally lost me with the video game wholesalers who bragged about closing deals on the phone while playing Call of Duty.