Baking a CakeYou can read up on what a cake is, what goes in a cake and go stock up on a bunch of ingredients.  

Increase earnings, reduce expenses, save, and invest.

Figure out how to get this money, maybe you have well-off parents who can give it to you or you may have to earn it yourself.

He's probably earned around $60 million from "teaching" others.

It may interest you.Best wishesI excluded duplexes because at least in the SF Bay Area, SFR earn a premium on sale over Duplexes, and duplexes get higher price/sq ft over 3-4 units.

Fully fund IRAs and 401Ks7.Work less ("I think I earned it" ... a few good men)

I think your income easily justifies a common-sense, time-proven method: increase earnings, reduce expenses, save, and invest.

I look forward to earning your business and helping you find a better properties with better numbers.

That's great that the bank who currently holds the note wants you on 20 year or 15 year amortization, they view you as a captive customer, they don't have to earn your business any more, as far as they are concerned. 

Reality is most people earn income bi-weekly.