That way I am rewarded but not using the business account as a piggy bank. 

Someone else may say its free money and let it ride, so invest it in something super high risk and high reward and if I win they I win but if I lose it all I lose it all. 

@Josh SalapareThere are some advantages to buying now and renting if the appreciation will reward you.

Working with Ron Rowan, we achieved a rewarding outcome on this well-planned investment.

Ultimately, Lawton could be appealing to cash-flow-focused investors comfortable with high-risk, high-reward environments and looking to leverage a reliable rental base tied to Fort Sill.

Buying multifamily is not about what the seller did but understanding what you can do and how much it will cost you do to it, then determining if the financial reward is worth the effort to undertake it.  

It's a risk-reward proposition and for us here in Columbus, I see a lot of saturation with STR, but we have very high demand for MTR so most of the properties in our portfolio wind up being mid terms. 

Quote from @Jay Hinrichs: my advice is to get some cash first.. dont be so focused on super high leverage. do seller finance first .. forget sub too until you are very well established and have ability to cash out the loans or refi on a moments notice @Don Konipol  Don gave you chapter a verse about the sub to risk/rewards.

It's been my experience that the additional reward doesn't outweigh the additional work.

Here is a little more info related to my question:My (note: "my" means my wife and me) daughter likes her job and finds it rewarding and fulfilling, and I am putting no pressure on her at all to change careers--my job has nothing to do with RE.