One of those houses sub divided the lot and built a compound (my guess is 10 to 12k feet dormitory) and an ADU that looks as large as my house on one of the two lots.  

@Chris Wilkening Dave Ramsey is trying to help the most people possible (aka have a big audience) and the best advice for most people is to play things safe and let small gains compound over time.

Since you will be investing it on your 401K paycheck to paycheck you will buying out S&P 500 periodically and it will compound fast alongwith company match.  

@Franky Aikens The slight edge The compound effect Never split the difference Brandon Turners books..David and Goliath - Malcolm Gladwell (also, has other great books)Money Master the game - Tony Robbins (focussed on index vs mutual funds)

If the trim needs to be painted, use joint compound to smooth out rough edges from multiple layers of paint.

How many properties could I have by now if I did as you say and buy them conventional and compound the cashflow? 

The leverage compounds the return from appreciation. 

I put 35k of the proceeds towards the first property purchase i made in the US when i moved here, this one property grew into a almost 1,5M portfolio within 3years, creating enough cashflow to buy / build another car WITHOUT having to work 14h days - but after seeing the compounding effect of putting that cash back into Real Estate, it really helps separating the WANTS from the NEEDS 🤯That beeing said - I still do get to "scratch the itch" from time to time on the track, and have a little project in the garage (actually in the garage of one of my rentals, and i only spend money on it when i close a new deal).

The Compound Effect by Darren Hardy

Right now, in NY, there is a dearth of good applicants due to the time of year as well as the compounding effect of everyone "sheltering in place" because of COVID.