What are you guys seeing in your market? 

Quote from @Tyler Divin: Quote from @Gregory Schwartz: How about a list of what not to use?

An investment in education is an investment in yourself.

The cost associated with insurance for not having 20% is peanuts compared to what you potentially can do leveraging your down payment. 

This is going to be the year we get a 2nd or 3rd property.

@Kiswood Diogene, real estate investing is still investing. 

[In my scenario below, I was thinking about a share of the equity upon refi (what @Jack Pasmore called "the kicker" or share of the upside) since I don't think the seller would agree the property values at only $450K, even though that's what the rent and NOI say]@Jeremy Dugan In my experience, such a "kicker" is only present when the other party is an "investor" rather than the "lender".

Ultimate goal is good cash flow to enhance retirement income.

Growth is always better when shared, and I’m excited to inspire and learn alongside others.

I'm considering joining them but I'm curious what benefits you've found by being a member of their association.