It's all been a whirlwind of learning and doing and I'm looking forward to starting my journey with the goal of financial freedom in the next 10-15 years. 

I don’t know if I should invest in the Jersey market and put maybe 20-50% down on something, make less cash flow and make more appreciation, or every two years or so maybe buy something fully cash (my own $) in the Midwest let’s say 5-10 units and make more cash flow with no debt as with the income I make I can just save and buy more, don’t necessarily need to leverage in some markets.

Going on the first face to face with a seller in years, even after getting 2 deals to the table, this one was tough.Stating the obvious, there is no replacing "the number" but I literally didn't have it in me to say it at that moment.

And a total of about 3.3 million Americans in total die each year.

I have two long-term tenants in the duplex—one for 5 years and the other for 7.

The demand has seen a spark given the rising student body, with U of M having their largest student body this year.

In response to your questions:Biggest q i still dont really understand is:- what happens if i refinance before 7yr term or sellAs you'll be the owner, you can refi or sell before the 7 years. 

What is going to make any difference at all this year?  

I actually had this account from years ago, before my Realtor days and before my mortgage lending days.

Given my experience in the field (5 years) not much but still counts right?