Sample this:LOS ANGELES COUNTY alone recently surpassed the 10 million mark... 

By 2020 southern California will surpass everywhere else in the country for trade activity.

Many times that appreciation far surpasses any cash flow you might have in lesser valued areas, and when it's time to sell, it will probably sell faster than other areas out of state.

Okay but at the very bottom of the market its value dropped by only 10% but 8 years later that one has also surpassed its peak values by about 15-20% and climbing every year now.

I mean, I will have generated enough residual income to surpass the need to have a 9 to 5.

Im just considering using it as collateral  for the down payments with out getting a heloc  because i would save having to pay the heloc back.So pretty much im not going to have to pay any intrest but my house would be tied up for  15 to 20 yrs depending on loan and they are letting me get  maybe up to 4 propertie as long as i dont surpass 80% of the value of collateral

Stay focused and write your plan and I believe you can surpass your income mark.Deb Gee

It appears to me that the two metro cities that have already surpassed the previous peak median home prices are Dallas and Denver.  

If you invest the $20k, you better be sure you're going to obtain a return that surpasses the rate you're paying on the loan. 

*Create a knowledge base to help me figure out the next step, once we surpass 10 mortgages in 18 months.