GENTRIFICATIONI'm going to go out on a limb, and say (as many have said and failed before), that WEST OAKLAND IS GOING TO GENTRIFY BIG TIME AND AROUND A NEAR DOUBLING OF PRICES IN 10 YEARS (around $500/sq ft.

Also XLF is a good ETF with financial sector performing very well since 2009@Scott Graham i will listen to that podcast today and see if i can pick up some tricks to move my strategy from SFH to MFH if it is best suited for me@Bill F. i was thinking turnkey mostly for the aspect of time management again - i understand completely you lose some of the upside in the immediate years due to a slight markup but much easier to have lets say a PM with 5 to 10 TK properties all rehabbed then have me pick off the MLS to find 5 to 10 that all need varying levels of rehab.

While most say a 1st cannot be crammed down, there are ways where it can be in a Ch 13.

So if you have net worth to protect (say a, you may want to do some asset protection.

IF you took 2million, invested it in fully paid for properties with say a modest 7% return, you would be around 150K/year. 

I disagree with others that say as long as it is legal they can do it.

@Nehemias Ponce, what @Ciprian L. means is that if you can get say a 10% return on your money by buying a rental why pay down the principal sooner when you could buy another rental and make 5% more instead of using it to pay down the loan. 

In fact they often offer to accept the late fee when they are making their excuses - so I say  as long as you pay by the date you said I won't charge the late fee.The end result for me is that all my tenants  want to stay in my houses, there is one that needs to move to a bigger place but can't afford to.I will say that a reason I can do this is because I don't have mortgages on my rentals and I only invest in properties that I can rent for at least $1k or close to.

I might not use up a conventional loan spot on that one and instead go with a portfolio loan.Lets say a typical deal loan for your properties is 100k but you pick something up thats a little different from your typical model and the loan would be 50k.

When you say a 20 buying scale what do you mean exactly?