I am not a lender, but that's general info/knowledge I have been able to accumulate - thanks to wonderful people of BP. 

A save number to accumulate would be somewhere in the ball park of $5,000.

If we are not able to, then we can repay it in a matter of months and only owe whatever interest accumulated on it in the months we had it.

They left a large accumulation of trash and personal effects.

"How much wealth do I need to accumulate to become financially free with little to no risk?"

If your goal is to continue accumulating, then buy more.  

Then we use all positive cash flow to pay back the money partner for their up front costs, plus a small amount of interest (accumulated at, say, 5%?).

I dont know if there is much you can do if its condensation on the window besides being vigilant about wiping it up as it accumulates.

I do not yet have real estate license (working on it) but I have accumulated 257 cash buyers on my listinfo i have for each subscriber:-First Name / Last Name-Best Email-Cell Phone Number-Home Phone Number-Profession/Job-Type of Properties-How do you invest?

For me, I've always liked to save and had good impulse control so never had to resort to apps but I'm sure a quick google search can bring up some good ones.By focusing on the end goal I think you have in mind (Accumulating wealth), I would give the following recommendations:1) Get onto a career track with good earning potential.