Everyone made very valid points and I think it clearly illustrated the fact that there are different styles for different people and that neither Brandon nor Ben are wrong in their approaches as long as it suits their ability and resources.

I'll post screenshots for comparison to help illustrate what I'm talking about.

The real point though is this is an illustration of the need to read contracts thoroughly for your state to see what is important to you is listed the way you think.

There are more threads here around BP that illustrate that those programs are not worth the money they charge.  

Many turnkey operators tout strong rental returns, but will fail to illustrate the economic (employment, migration, infrastructure development, etc) projections necessary to make buy and hold viable in the long term.

The illustration FortuneBuilders likes to use is a McDonald's franchise.

@Jon Holdman is correct and here is an example to illustrate.  

To illustrate the cost differences between cities, I compiled overhead costs for the listed cities.Sources:State income tax rateState average insurance rateState property tax rateTo put this in perspective, below are the annual operating costs for a $400,000 property with a taxable $15,000 annual cash flow.

This past month of January (which is usually quiet) perfectly illustrated it. 

An agent can run an illustration for you and tell you how much you should borrow.