By investing in properties that stand the test of time, you set the stage for financial success that can be passed down to future generations.Now, listen up, my aspiring real estate moguls!

Hard lesson learned for me that my family isn't to be trusted ever again and that I need to severe my relationship with them completely because they have harmed me & my child emotionally & financially.  

But definitely needs some financial education.

That amount and the debt pay down that your tenants are making for you should also be added to cash flow for your ROE calculation. 

Many investors have started off with less and leveraged their way to financial freedom. your just not there yet.

Quote from @Pat Arneson: I’m looking for someone to help ease my thoughts… California Bay AreaI have everything ready to go for my first flip… financing, financial spreadsheets, acquisition and disposition playbook, design criteria, etc.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

While you shouldn’t categorize all tenants and it’s the landlords responsibility to properly screen, the tenants who reside in better situated housing and pay higher rents are more financially responsible meaning lower rate of rent loss and will generally take better care of the property which combined will result in less time allocated towards management functions if self-performed or more favorable management fee structures if 3rd party management companies are utilized (which ties back to #1, as well).

"If the borrower(s) provides written evidence that the student loan debt will be deferred at least 12 months beyond the date of closing, a monthly payment does not need to be considered.

This is even true for student debt.I recommend the old-school, proven technique of paying off all debt.