However (to go into detail requires a separate post), that's not quite the correct course either.

So, When one person, the GURU, has a lot of people sending him leads, most don't work out of course, but some do and they are blasted all over the internet.

Reduced competition and higher prices for renters.RealPage, of course, denies this.

I just keep hearing over and over again to just take action and course correct from there. 

Of course you have!

Other than the repairs needed of course

Not saying anyone on BP would do that of course but you know real estate is full of shysters and plain old criminals. :)

Sometimes I wonder if people just feel better about themselves to spend all those nights and weekends on real estate when, realistically speaking, they would have earned just as good a return (or pretty close to it) by investing in a stock market index fund and had way more free time in life  I realize my premise here is antithetical to the whole notion of BiggerPockets so of course bigger pockets hates me writing this, as do all real estate agents and property managers, but it’s the truth and everyone needs to think about it

Higher loan balances we would likely see an opportunity in the future to refinance again due to lower rates so consider a 2-3 year prepayment penalty.Of course if you qualify for Conventional Financing (Fannie/Freddie), there are no prepayment penalties so just calculating out the return of investment timeline on point buy downs.Good luck shopping and let me know if you want to talk further!

Your returns will be higher, say 15-25% but your risks will be higher, of course.