@Annette AmmarellThis is an excellent forum I have twenty years in real estate and twelve is full time with no other source of income and my family and friends still tell me to get a real job, and mind you I'm more well off then most of my peers. 

Carrier left, GM left, New Venture left and the city is barely crawling out of that ten and twenty years later. so, at this point I'm looking at stuff in Syracuse University area, a few suburbs that aren't imploding and just get my first property under my belt.

I'm in my twenties but well established with a solid career in the medical field which gives me an appreciable amount of income to save and invest.    

@Nat Chan - I think what @Doug M. is trying to say is this: The day you post about a project gone well, about twenty folks on BP are going to have heart attacks. 

This last time, along with the plethora of regular, white business-sized envelopes pre-printed, bar-coded, glassine-windowed mail I'm used to throwing away almost immediately... was a small, bright pink, hand-addressed envelope with a handwritten return address--looking for all the world like a personal note from someone.Of the twenty or so pieces of mail on the table, guess which one I opened first?

I spent most of my twenties living in a very small studio, in a sub par neighborhood because my rent was only $400 a month and I was able to pay off all my debt and save a ton of money.  

The average twenty something looking for an apartment in my area the main driver is dollars out of pocket not lower environmental impact.  

and of course its all bait and switch to get the up front fee out of you.the other one that I just roar about is.the reason they can lend at this low rate is you buy private mortgage insurance for the loan.. well that simply does not exist you buy that and you lost that money as well.then the new one is  Hey will send you a picture of me holding my ID  that's BS as well.. no lender does that.. its all trying to comfort those that know no better and take advantage of them.. 

I'm interested with connecting with people about investing in the twin cities area, investing in buy and hold single family and small-multi family properties, land-lording, and especially investing as someone in their twenties. 

Adding twenty years of withdrawals (and twenty years of market/economic risks) pushes the withdrawal rate down (and the success rate I would presume as well).