So end of the day my friends and clients that are the wealthiest that i know have little to no long term liabilities. my bank likes that just fine.. all equity and all cash and very strong earnings..but those of you in the land lording business its completely different you need a certain amount of leverage to scale.For all those mom and pops that are starting to buy SFRs for long term wealth I like to think you pay those off in 10 to 12 years.. whats 100 or 200 a month going to do for you.. pay down those mortgages with others money and get them paid for.. whether that's the smartest mathematical way to do it I don't know.. but like I said everyone I know with limited debt made it through the crash and or sleeps well.but again I am on the down side of my investing career I am not 30 and gung ho like most of you out thereLastly you young investors have so much going on for yourself more than we did in our age.. you blessed to be doing this and most of you if you can control your spending are going to do just fine and be well off in your golden years..

Regina, if I can get the bank to see a renter in the duplex and factor that into the DTI they use somehow, I'd be golden! 

Its an honor and a privilege to be here and have access to so many investors and knowledgeable gurus across the country and globe on REI.

Disappointed but I picked up a few golden nuggets while there. 

So from an educational standpoint, this could be golden.  

Ask questions, read blogs, and the podcasts are golden.

Since, in my golden years time is of the essence.  

They are in the golden years and will take less COC in exchange for a longer term commercial loan with a fixed locked rate.

I gain "little golden nuggets" each time I listen to it.

I'm working with investors from around the globe, b/c Memphis is on FIRE!