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

Learning things like the real estate vocabulary, sales scripts/tonality/processes, KPI's, acquisitions, evaluating deals, etc.

Either that, or “Chris” in Pakistan is simply regurgitating his “unfortunately” word salad script.  

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.

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.

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?

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