The core distinction between these two options, other than the interest rate, lies in the varying prepayment penalty scales: 4% more for the first year, 3% for the second, and so on.With the latter option, my cash flow is healthier in the present context.

At the end of the day, the price of real estate would just follow the money that's being printed by government, so *we are all good*.Rather than buying 100 Diet cokes in 2005, I agree , people should just buy *direct* real estate.

But try for just 1 hr to come out into the rest of the world and look around and answer 1 question, which is a safe, better, healthier more prosperous America, today 2021 the tech world, or 1991 before the tech obsession?

Investors, and everyone else, have just bee getting spoiled the past decade or so....it's much healthier for the country overall to have them at the place they are now.....

Dave Ramsey is to Real Estate Investing what Subway was for Dieting. 

And you can charge them a negotiable fee (commission) for the service, legally and ethically.You'll also have a much bigger potential income stream in working with retail home buyers and sellers, usually for a much healthier commission than distressed sales. 

City-Data will help you see which neighborhoods are "healthier" investment areas compared to others by using their map feature. 

If anything, you could argue that rents will be even healthier in a recession because home ownership may be less attainable.

I have a demanding diet due to my training, so it's challenging to eat for less than $500/month to get my protein in.

Lexington is like a diet C-Ville.