That is the dumbest thing you can do in a debate.

There is not much in the area under $400K so husband and I are debating if we should go for it.

There's a bit of debate around it on BP.

here are some of the questions I am debating:1) should I manage it myself?

The message was not  a ROI debate.  

That's all I'm going to say on that as its a debate all in its own. 

I cant get over the interest payments - and I'm debating selling some stock in my brokerage acct to use as my down payment on my first property.

Brian Gibbons I have been debating on purchasing his training cd's.

I brought up the issue of single member LLCs, rental real estate, schedule C and schedule E and I have to say it caused quite a bit of debate amongst the group.There were about 40 CPAs present during the "official topics" discussion and the following issues surrounding this came up.1 - if a landlord receives a 1099 for the rental income, there was some discussion about avoiding an IRS matching inquiry letter and so some CPAs would put the rental income on a Schedule C for the sole purpose of being able to report the income under the LLC EIN and so the matching criteria would be met.  

Not looking to get into a long winded debate on this but this is the one I go by:If you multiply your annual expenses by a number between 25-30, whatever number you arrive at is your needed number (higher for those more conservative, lower for those who are less).