Honestly, even my own spending habits have dramatically transformed from my first deal to now, but part of that is where I allocate my time, and what I pay to outsource to others.

I might recommend checking to make sure you are at market rates.Leverage is a very powerful tool that can dramatically increase your ROI.

With one of the properties I vary the size and timing of the cash flows -- keeping the total always the same -- and demonstrate that the IRR can differ dramatically from that of the first property even though the initial investment and the total cash returned is the same.

We could see with multi-family what we saw with single-family after 2008 -- a dramatic drop in prices and seller desperation.Now, there are a lot of variables, and it may not play out exactly like this.

Next year's books will look dramatically different. 

Near zero interest rates, negative yielding bonds, quantitative easing and other manipulations that eventually will all come to a very dramatic end.

Then there is the significant cost and dramatically increased paperwork, and the fact that I'm still early in the process. 

I'll try to update this if anything dramatic happens. 

I should add a disclaimer though, I invest in Louisville, KY where the ups and downs are not nearly as dramatic as they can be in the coastal cities.

Also planning on withdrawing basically twice what you should, based on a an over-inflated account balance will result in a DRAMATICALLY lower income in retirement than what was planned for.He hasn’t been around long enough to begin to see the impact of this horrible advice.