(Knit baby blankets and sell them online...whatever.)

Spend it baby!

She even came to see a property with me a few weeks ago.I guess the point is, baby steps :)

Don't throw the baby out with the bathwater.

Using OPM to pay your mortgage would free up some of your paycheck to put toward property #2.Baby steps....1 at a time. 

We just had our second baby, so we sleep when we can and it is not enough! 

In baby steps 5-6-7..... if you have the money and the net worth, he is all about spending money on charity, trips, eating out, and nice cars.He doesn't like debt and he doesn't like people spending money when they are in debt. 

They become babies and they revert back to the TESTING PHASE.

We know baby boomers are retiring, they want beach front and golf course locations with little maintenance and ranch style one story living.

Because of that, while they're at work paying for their house and their junk, you and your wife can be in your living room with your baby, writing BP forum posts at 3:10pm on a Wednesday, because neither of you need a 9-5 job anymore since you have a multi-million dollar portfolio working for you (true story, its our story) .To answer your down payment question, there are two reasons NOT to put 20% down on a property - you can't afford it, or you can but want to use more leverage to invest in more properties.