And then they cant understand why all the things that happen in those asset class's are happening to them they only fall back on their personal life experinces not the reality of life of a life long tenant.  

Josh Holley should probably rethink his life. 

Consult a real estate CPA or tax attorney to assess if the benefits outweigh the fees and risks for your situation, and consider alternatives like 1031 exchanges or installment sales for simpler strategies.This post does not create a CPA-Client relationship.

However, you will have PMI for life of loan most likely and there are usually higher premiums to originate FHA loan.

I have lived in Columbus almost my whole life.

And unless your going to hold for life ( which not many do) Appreciation is where the wealth is made..

That ONE will change your life :) GO GET EM.

Listen to the BiggerPockets podcast for expert advice, read books like "The Book on Rental Property Investing" and "Set for Life" by Scott Trench, and join local real estate investing groups or meetups.

So, yes, I know the leads I am going after.And just to be clear, not too many things in my life so far have ever been easy, except to maybe mess it up, and I'm not interested in doing that, so I'd rather take the hard way.

It just makes life easier - they shop a variety of insurers and are more easily able to compare apples to apples because they know how the various companies present coverages.