And by the time he was ready he had the complete model for what the program was teaching and from what I could see it worked for him.. the 40k training stuff that is done through up sell IE come to free seminar  then go to 3 day training for a few grand then come to 40k program those will have fall out rates in the 75 to 90% range for those that invest in those trainings from what I saw..

Grand kids and family photos.

We are real estate investors and business owners from Grande Prairie Alberta.  

As I stated, my thoughts are if you are only getting access to a library of info, why pay $20 grand for it???

Credit card points are great but they are a drop in the bucket in the grand scheme of being a real estate investor!

Traveling professors and medical professionals would probably be my target avatars.I am biased though toward MTR as a strategy, and it's not without risk to spend a couple grand converting an empty LTR into an MTR, so consider all of your options carefully.

We are real estate investors and business owners from Grande Prairie Alberta.  

Honestly, In the grand scheme of things, either option is going to be fine.If your goal is # of doors, then use the lever, if your goal is increased cashflow in retirement make the extra payment I'd say.If you really want to make more payments, make biweekly payments of half your monthly mortgage ;)You wont feel it as much.

They wouldn’t take those contracts if they stood to lose a few grand on each one.I think the idea that if you do a good job, the deals will fly off the table is a very guru sales pitch kind of idea. ”Some will.

Please note, you can't do this with your non-IRA money, your businesses, trusts, children, grand children, spouse, parents, or grand parents.