When you say 40% annualized is that per year or over the entire life cycle.  

For the personal side of things, I do a GoBundance Onesheet, which breaks my life up into Financial, Health, Relationships, Friends, Adventure, and Spiritual/Contribution.Happy to share either document with you if that would help Tonio!

We started looking at coaching programs and some of these things just seem ridiculous at 20-40 grand, and some seem more like life coaching programs as opposed to real estate programs. we don't want to syndicate we really would just like to find someone that we can bounce deals / ideas off of and have them assist in underwriting and giving us a better sense of security that we are doing the right thing.

This is the biggest decision of my life and I don't know what to do!

@Devin James The 1 habit that changed my life is I started prioritizing wants vs needs. 

What's the life expectancy of the roof, paint, furnaces, water heaters, etc.?

Even just adding an extra $100-150/month to the principle can take years off the life of your mortgage.

I have a Indexed Universal Life policy that is 7 years old.

I have been doing this since the mid 80s  over 3500.00 transactions and If I can do it you can do it :) "If I can do it you can do it :)"Haha, this is exactly my problem in life... if other people can pull off out-of-state investing in class C neighborhoods, maybe I can too? 

With some of my clients, I've seen discounts of 30% to 90%.Here is a real-life example: I invested in a $50K note; it was second TD but with significant equity (over $200K) protecting my investment.