This inability to manage "risk" is causing home prices to go down, credit to be squeezed, wages to be decreased, and as a result wealth harder to attain.

It takes time to find the market and then find the deals in that market, but the 10-20% range is completely attainable if you are doing it right.

My future goals involve larger properties and would like to start setting myself up to attain them.What are the qualifications on larger multi-families?

I believe real estate is the key to attaining the freedom and options in life that I have not been able to up until now.

Do you want to attain FI as quickly as possible?

Next, I calculate the actual dollar cost to “buy” each rate:3.75%: 0 points = no cost3.25% : 1.29 points = $77,000 x .0129 = $993.303.0%: 2.43 points = $77,000 x .0243 = $1,871.10I then calculate the principal and interest payment for each interest rate:3.75%: P&I = $559.96 / month3.25%: P&I = $541.05 / month3.0%: P&I = $531.75 / monthFinally, I take the total annual savings of each lower interest rate and compare it with the 0 point option to determine a “rate of return” on my initial investment, the dollar cost of the points required to buy down the rate. 3.25%: $18.91 / month savings = $226.92 annual savings$226.92 annual savings / $993.30 points paid = 23% annualized rate of return3.0%: $28.21 / month savings = $338.52 annual savings$338.52 annual savings / $1,871.10 points paid = 18% annualized rate of return To make my decision, I compare the available rates of return on the points paid to my “opportunity cost of capital” or the rate of return I think I could attain on other similar investments.

The numbers in the situation you presented are much more attainable than what I was imagining. 

Worked with real estate agent to attain the property.

I haven't experienced that myself, but perhaps in markets where the 1% rule is attainable, which is not the case where I live, that holds true.

I believe the trust's long-term results from this policy will be superior to those attained by most investors — whether pension funds, institutions or individuals — who employ high-fee managers.