@Sheldon A Baracho,Welcome to BiggerPockets and congratulations on your first forum post!

Congratulations!

First first congratulations on wanting to move forward.

Congratulations on getting yourself to the point where you know you want to invest in Real Estate - and also with a good amount of cash on hand for someone only 20 years old.Depending on your credit and job history, you could qualify for other type of loan programs, too.

There's a simple equation to determine the value of a perpetuity, it goes like this:Present Value = (dividend per period)/(discount rate) More concisely: PV = D/rIf the dividend(in this case, $5,000 annually) is divided by the discount rate and the present value is greater than what you spent to install the system, then congratulations!

@Camil Kanacevic Congratulations on getting the airplane if the runway.

@Danielle Golan congratulations on getting started!

@Dustin Gale, thank you and congratulations to you and your wife.

First, congratulations on your new property. 

I've fixed pretty much everything unless it was over my skill set (replacing capacitor on A/C system, for instance; landlord told me when I moved in it was okay to repaint or whatever as long as it improved the house), my neighbors love me - they've told him so; I've resodded the yard twice (FL grass sucks with a dog), had the landscape crew redo the trees in front so they look good, replanted flower beds (perennials), power washed the house every year after wet season ended, ensured the pest control worked...The BUT part ...As a sole practioning consultant (pre-IPO weakness remediation, large financial systems implementations, global audit recommendations for SEC registrants, etc.) at times during the last 3 years things have been sink or sink lower credit wise and the ID theft didn't help (apparently, I bought a car in GA and own some property in TX).