After that initial down payment, the bank will basically be financing your investments.

Hi michaelI've been using orign8 at $250/month and they have a lot more to offer like lead gen, automation, missed call text back, basically an all-in-one inside sales marketer. but I don't know if it's available in your area. 

Right now I see they have 30% on the basic package, 40% on the Deluxe, and 50% Premium.   

It will familiarize you with the basic terminology and benefits.

Keep your equities levered at 20%(half high vol, 1/4 low vol, 1/4 basic indices) and keep your phys/hard assets levered at 40%.

My immediate goal is to acquire our first property and spend the next two years mastering the basics of real estate investment. ( Refining the Go and No property search criteria/ Learning the value of taxes and avoiding them as much as possible/ 1031 exchanges) Depending on my wife’s career orders, we may remain in Baltimore for 1-2 years, but I’m also exploring opportunities in West Texas, Sierra Vista, AZ, and Houston, TX.

Forgive me kind folks here for the many questions, I consider myself a newbie and believe that even if my questions are basic and many, I persevere and try to know from resources and of course great folks like you all here to grow and learn to make the right decisions.

https://natlawreview.com/article/texas-federal-court-issues-nationwide-injunction-against-enforcement-corporate“We note this is a preliminary injunction, and we urge reporting companies to pay attention for additional updates and proceedings in this and other cases which could modify or change this order.”

As for other amenities, some crowd-pleasers that won't break the bank are coffee maker + starter pack of pods, basic workout equipment (yoga mat, resistance bands), phone charging stations by the beds, and basic kitchen essentials like olive oil, salt/pepper, coffee filters, etc.

Basically it is not 2012.Good luck