There is really no reason to roll the dice in a craps game.

Hey @Marc Shin, so yes on the games.

It’s a game-changer.

My end game is to show you a path to financial independence, whether that be at 45 yrs old or 70 yr old.  

Buying with cash is much better in my opinion.Especially for our market.Most investors only use leverage because they "can".There is usually no strategy behind using the leverage.Our price points are so low that most investors just prefer to buy with cash.The price of one of our properties is pretty much a downpayment for any other property in other markets that aren't in the Midwest.Cash deals always offer a much higher return than leverage.Leverage is a risky game for beginners.Learn what you are doing first before borrowing money.Just my opinion for a path that has proved to work for me and our investors.Thanks and happy holidays.

This decision often comes down to a simple numbers game.

We're probably not going to take the risk if we're busy agents to play that game. 

They used that period of unemployment to skip paying student loans and then try to get some kind of program/hardship deferral or something aka "gaming the system".

Many companies have left the state entirely.Insurance is a simple math game. 

I think investing for cash flow to start is a slow game.