It is my belief that you should start looking to understand those things first and then from there you will be on the ride to really starting to understand what and how it all comes together.  

There are many positives as mentioned above as well though, so it is my belief that the condo/townhome strategy may be sound if you seek out and weigh the pros and cons against those of other types of investments.

However my belief is the more automatic it is the less value it has.

That could explain their belief that Gross rent should cover PITI.

My belief is that real estate will provide superior returns to other asset classes so I choose to allocate my funds there.

I share your belief in being conservative with all estimates—indeed it’s a great way to “leave a little room for the unexpected.”

I am extremely familiar with Dave Ramsey and believe most of his teachings and beliefs are rock solid. 

I operate under the belief it is a misplaced asset class.

The amount of debt a person's REI business has should be driven by their finances and personal beliefs and goals. 

I have used bigger pockets to find answers for a long time... and I religiously listen to the bigger pockets podcast.