That rings even more true when your dealing with <5 units given the valuation determinants used by your lender. 

I am new to the forum and somewhat new to investing in Real Estate... but what you have said rings true in my life as well.It's good to be great at something, congratulations dude.

And always buy the extra thick wax ring. 

@Steve Lehman - "These people, I believe, will probably live more on the south of prospect and west of Keystone"aka south Fountain Square; it has the same ring as south Broad Ripple.

The main concern would be the rubber rings in the end; some types of rubber are OK with oil, and other types will break down over time.  

You can sell it to your girlfriend, but I would wait until you put a ring on it;)Parents could co-sign the note for you. 

But the old adage still rings true: Don't invest money you can't afford to lose.

I am well below 30k for the year and my wife and I may be below that even together.I know cap gains is charged at certain levels depending on income so I am wondering if I am going to have to pay that tax co side ring my income is so low?

If I need extra training, aside from figuring out how to make the phone ring, I go on youtube, or take formal online training, or contact title companies for classes, or participate in business networking groups.

However, when meeting with clients, I must say that the saying: "dress as you want to be addressed" rings so true here.