Above those two, scheduling and time blocking are usually where people are failing.

There are a number of meetups in Sacramento and we have been coordinating the dates among hosts so that there is no overlap - I run the West Sacramento Meetup that @Ben Howard mentioned (we gather every 4th Tuesday of the month).Here is a list of meetups that we're in collaboration with (they are all based on an abundance mindset that we have here on BP)- 1st Tuesday - REI Connect @ Roseville Meetup (reach out to @Nicole Masters)- 3rd Tuesday - Investor Mixer @ Crawdads on the River- 3rd Thursday - Folsom Out of Bounds (dates may shift a bit)- 3rd or 4th Wednesday - Real Estate Round Table (CH Cafe & Grill) - they recently relaunched and stabilizing the schedule- 4th Tuesday - West Sacramento Real Estate MeetupI'm working on putting together an easy to access list that Sacramento investors can refer to.

If the deal works with 20-25% down, it will only look better with 50% down.The key is to stay disciplined.

You don't live "bad" financial discipline, accrue wealth and THAN gain healthy financial habits from the $, that's nonsensical.

You only get paid enough to continue.3) You don't need a dozen self-help books, all you need is action and self-discipline.4) YouTube University, podcasts, and the internet will only take you so far. 5) Book smarts make interesting conversation, street smarts make money.6) Find someone who is successful doing what you want to be doing and ask questions.

Tough to stay disciplined as "Past performance is no guarantee of future results". 

One challenge was managing extensive renovations on a modestly priced home, requiring disciplined budgeting and planning.

The hard part is actually remaining disciplined to manage that emotion and not losing that conviction when it does get ugly.  

it shortens the overall payoff schedule, but only many years down the road, right?

I am digging on a deal that is scheduled to go to a Trustee's sale.