Peaks and Valleys" - will enable you to change your Valleys into Peaks."

Hello Calvin,Make sure you look to future in regards to your DTI ( debt to income ratio ) so that you don't get into trouble or problems qualifying for a loan when you're on number 8, 9 and 10.If your price point is 150K i would recommend that you make sure that the rent after a 25% deduction still covers the PITI ( Principal Interest Taxes and insurance ) because this will enable you to qualify for a mortgage based on your salary since the rental income is covering the rentals.When you do your taxes be careful not to write off too much income as that might hurt you in the future when it comes to qualifying for a loan.It's really important to make sure that the Loan officer that you use is on the same page as you and does the correct calculation to give you the best chance at getting approved everytime. 

(If they are with a larger firm, high probability of being a NAID Enabled Broker) 5.  

I currently have a home mortgage (about 100k equity) and a margin trading account for options and stock shorting to enable certain types of trades that sits largely without use.  

Sorry if this has been covered before, I couldn't find it.KellyKelly,Not to sound flippant, but we do what needs to be done ;) We have been fortunate recently to have our units re-leased prior to their coming vacant - we've have very cooperative tenants which has enabled us to show the units as soon as we receive notice (3-months) the current tenants are leaving.

Genius) ( one bulb in Africa, shipped to holland could enable a man to buy a house in the Netherlands.

Using tactics such as seller financing may be optional but 7% interest rate enable marginal returns.

It's enabled me to buy 21 rentals in the last three years, 19 of those in the past 18 months.

I learned from one of the gurus but I overpaid for the properties (which is what I was taught) in exchange for being able to buy them with little to no money down and doing seller financing.However, doing that proved to be not wise at all.You need to buy a property right and having cash or access to cash enables you to do that.I've since learned from that mistake.

A little bit about myself - I am a musician and music teacher by trade, I play in an original band called Mega Low and a 90s tribute band called SEGA Genecide which has run a successful weekly 90s night for the past 8 years.