I follow the K.I.S.S. philosophy.

Glad you liked that comment :) I've read A TON of posts from you, we seem to have the same goals/philosophy in mind and you've really impressed me with all you've done and know.

And someone buying property without positive cash-flow in the hopes of seeing appreciation is by definition speculation.While we all love appreciation, and can often get it in the right markets, my investment philosophy (and what we share with clients) is that the investment must make sense the day you buy it. 

In THIS scenario, that very same philosophy will cause you to potentially be taken advantage of.

One strike and your out is the philosophy I use.You could list specific areas of exclusivity covering only the first property purchased through them to see how it goes or give a short exclusivity period.There is not all or nothing as these agreements can usually be negotiated to both parties comfort levels.

I think it's a great idea personally, to use the money now here is my own personal philosophy I have a TSP  account been at job for 5 YRS only have 25G  in account another 5 yrs  will have about 60 I plan on retiring from job and pursue real estate full time, In my area I can buy a property for 30G, I am  only 38 I'll be 43 but won't be able to collect until I'm 59 1/2 and they will probably send me about 200 a mth if I cash out with taxes fee's and penalties I will probably get about half that 30G gets me 200$ a mth cash flow now rather than waiting 20yrs.

They both became physicians and mom also went to law school.I studied philosophy in college and stumbled accidentally into an economics class.

Our philosophy is that if we can stop money from going OUT as quick as possible, it will build up faster and we can sooner afford upgrading where needed.

There are different camps for equity and cash-flow philosophy.

Not everyone needs cash flow in the near term for it to fit with their investment philosophy, goals, and return metrics.BTW...I love "equity flow" Jon!