There's a pretty clear distinction between these which is really confusing.

Most people do conflate his advice into one, so I'll make the distinction below:DR Personal Finance Advice (@Aaron Breckenridge):- Have an emergency fund (6+ months).- Do not carry a balance on a credit card and pay cash for all debts besides your primary mortgage.- Invest in index funds rather than individual stocks.DR's Real Estate Investment Advice:- Pay all cash for your rental properties.- Enjoy the "free cash flow" without a mortgage.- Save up this cash flow for the next rental property (pay in full) => Rinse and repeat.I agree with @Caleb Brown and @Mike Anderson's premise that most Americans are financially savvy.

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The valuation and market value of a multi family property differs from a single family and you want someone that understands the distinctions if you go that route.

There's a lot of newbies, but I don't blame Shawn for providing a quality product and attracting a large demographic.Kaaren's club was awesome the one time I went, mainly because there were two securities attorneys doing a mini-panel on the distinctions between all of the different Reg D options and whether that was appropriate versus a Reg A.

The cellar distinction is incredibly important and is what everyone should want. 

And that's an important distinction because if, for some reason, your tenant were to ever lose their assistance, you'll still have the lease between you and that person. 

For investors, that's an important distinction to understand.

The main distinction I make between TF and HM is that with TF, there is an exit C Buyer under contract at the time the funds are provided for the A-B closing.

Great distinction though, saves a lot of headache knowing that info in advance.I self manage all of my properties.