I have a fantastic job and she is a stay at home mom to our two beautiful girls. 

I've got 2 lil' girls looking up to me that I must set up a legacy for.

We have these tenants, a guy and a girl, who are not dating but are just roommates. 

I want to buy small rental houses in good condition to rent.

(And that boys and girls is a course in its self)Long story short, (yeah a little late for that) he looked at the deal and agreed to lend me 18k.

Now after 7 years of college girl tenants, hair dye stains in the grout lines, bubble baths & the inevitable overflows its time to rehab & go with a shower base & surround.

I have 7 year old twin girls who keep me busy too!  

So based on what I've learned in the podcast, I think that I am a buy-and-hold kinda girl.  

All I had was a lot of determination and a supportive girl friend (whom I am married to for 10 years as of this writing).One of the top banks in India gave me a pre-sanction letter that they will finance 80% of the property value or my eligibility amount, whichever is lower.

They are usually done by a block method using square feet, they don't have time to look at each property so if you bet on that value, you'll be wrong, it's apples and oranges.If you don't know what value is based on and the 3 approaches used, you're not even in real estate, you might be playing some guru game playing house like a 5 year old girl, just trying to play with bigger houses.