I know where my mistakes are and don't need a lecture on that just looking for suggestions on what you would do and I will definately do a lot better next time.

She googles day and night and lectures me about stuff she read online.

I remember taking my first programming class, it was fortran, it took me two weeks of listening to the lecture (and not understanding the homework) before I realized the guy was talking about computer programming, no kidding, it was a total wtf class for the first half of the quarter.

You don't need a lecture about your mistake but some on here will offer you one (just a few contributors - maybe just one especially crotchety one who evidently knows everything).

I just got a pretty severe lecture from a house buyer.

Well I was fist going to be tempted to lecture against relying on the 2% and 50% rules, but after looking at the numbers, I don't have to do that because even outside of those rules the numbers don't work.As a point of reference, I know of amazing turnkey duplexes in Chicago that you can buy for $150k-175k and rent for at or above what this multi would get you.

my yearly income is 50k and my only debt is my home which my payment is 540 a month. the payment for this house with mine is going to be 915 a month. so I could handle it on my own if its unoccupied for awhile.Thanks for all the lectures and tips!

Thanks James, do you have any recommendations in the way of lecture, videos, etc in the way of learning the "nuts and bolts"?

Before J Scott lectures me, I did it with an owner's permit.

I must especially applaude and thank Mark, who has felt the need to berate, dismiss and lecture me, having complete mastery of the issue, knowing all the particulars, so that he feels just in dispersing his righteous venom.