I received a Masters Degree in Clinical Psychology over the summer.  

Sometimes it's just psychologically easier to think of having just one debt rather than several.  

What I discovered is something I have never seen anyone speak about on Bigger Pockets (I am sure someone has discussed this I just have not seen this idea discussed at all...or anywhere in my short research period on cash flow and real estate properties.We hear everyone speak about Cash Flow, NOI, Cap Rate or Cash on Cash returns.. however I think there is another important benchmark for investors to consider when deciding their down payment percentage and financing levels because of their effects on cash flow...Capital Cost per $1 of Cash FlowOne of the most illuminating aspects of real estate investing is financing isn’t bad...Having spent all of my life not accumulating debt this has been a difficult psychological barrier to break through.

What I've discovered over the last 10 years is that people need:1) a high savings potential and;2) the psychology of a saver.If they've got #2 but are a little lacking in #1, then financial planning is in order. 

I originally planned on doing an introduction once I got my first RE deal but that prideful and stubborn approach would most likely hinder my progress as I venture down the path of real estate.I am a 24 year old (25 in April) student at San Diego State University majoring in Psychology.

I have my Bachelors in Psychology graduated in June 2015 and I realized as my life took a few unexpected turns I no longer could do the mediocre and if I wanted to change it's starts with me.

With a psychology background, it seems to me that communication is key, I have partnered with a guy who currently keeps me in the loop for everything.

Read about taxes, depreciation and renters and negotiation psychology. 

This business does NOT come easy, there is a lot of psychology behind it and your state of mind will have a lot to do with your success.Read as much as you can about the strategy you choose here on Biggerpockets and make sure to ask questions, we are always happy to help!  

I am a college student studying Real Estate and Psychology.