But he stuck with me I had a 1 mil credit line that they kept in place so I could make money it was on 90 day extensions for 3 years :( but if they had not done that I would have had to give them the keys back on a few commercial buildings I ate 250k negative cash flow on those buildings to make sure the bank got all their money..

We have increased our monthly rent to price ratio from your ~0.75% to 1.1% but the leverage ate up all the extra cash flow (even if the total return is likely higher).You could be a cash buyer and go from your one property to 20 and cash flow 20000/mo but you are still having to buy and manage 20 properties.You can do better on the total cash flow in other markets or rougher neighborhoods, but the story is similar: you are getting an extra ~25-35% in income for 20x the hassle.

That's a LinkedIn ghostwriter strategy to a tee.

He did about 5 loans and about 6 re-finances within about 8 years made him about 11 x $20,000 = $220,000 for ink and paper while every time I did a re-finance the broker fee ate into my paying off my principal.

They even showed us a TED Talk video and asked us to write down "Before I die, I will..."

A high school friend of mine has a duplex little outside of Sacramento area but isn't really cash flowing and ate up a lot of his capital to invest in additional properties. 

One property I didn’t scope and ate the $20k myself.

Been There Done That & got a tee shirt & don't want to waste my time. 

We have our Guide Book on the counter in the kitchen.People like to have something to look through, plus other guests leave flyers from places where they ate etc. with notes like, "Great food" etc. written on them. 

You just ate a giant meal and are so full you don't want to do anything and surely don't want to have a fight.