I have been listening to the podcasts religiously since the day I discovered BP, and have also been taking advantage of all the massive amounts of information from the blogs, forums, and free books provided. 

A lot of banks have introductory rates for HELOCs that they use as a loss leader for the branch and you can shop around for the lowest rate or any bonuses they have because its the cheapest money you can borrow.Once you have that line of credit, rather than utilizing it as collateral for downpayments on leveraged properties, I would use it to leverage the strength of cash offers on distressed properties ideally to motivated sellers that allow you better access to good deals compared to those with financing contingencies.

To my knowledge, it's primarily a single-annual indicator meaning the cash flow is annualized and only for one year, whereas IRR takes values over several years (5-10 on average in my experience).I use CoC all the time, rarely ever use IRR because it can be hard to predict income multiple years out but I recently met someone who is religious about NPV & IRR.

I also religiously research items especially bigger ticket items before purchasing this way I'm 100% certain I am maximizing value for the dollars spent.As far as sacrifices?

I listen to the pod cast religiously and I’m almost done reading Rick Dad Poor Dad.

They have not removed the listings owned by the other religious groups in the area.

I’d then listen to the bigger pockets podcast religiously.

We’re pretty religious about saving, so it’s more of a matter of what’s best for easy access to buy when ready versus interest rate growth/protection against inflation.

I have been watching Max Maxwell religiously for the past few days now and i have to say i have learned a lot from his vlogs and podcasts.

This reply is going to be explicitly religious.