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.

CCC, Baby! 

We have future plans together for our house though believe that baby!!!

:@Steven CoppolaNo only will it not die but it will increase . 80 million millennials assure that and 80 million baby boomers dying and also giving up their family home for downsizing reasons and health reasons .

Also, the pay and rate of success is a lot higher than most who try to retire in their 20s.Let me share an example of a "Why" that provides motivation looks like....I started real estate investing in my early 30s because I realized that most Baby Boomers are going to have problems living longer on lower incomes.

Maybe because my teacher (taught my brokers class on L.I. ) was my partner but I'm being a big baby!!

@Stetson Miller I forgot to mention the "silver tsunami" of baby boomers flooding to retirement who have plans were expecting traditional fixed income products to yield enough income to pay their expenses throughout retirement.

& Top "Hipster" Destination in the US88 Jobs Paying Higher Wages than New York CityHome to 2nd (soon 1st) Largest University in the US ($7B in Capital Projects & 60,000+ students)Hotbed of Startups and Venture Capital- "Exodus from Silicon Valley"1st "SMART" City in the US ($50m DOT Grant)Intentionally Underbuilding to Hedge Risk...30,000+ units short of demand11-County Region with Huge Room for Growth & Expansion (3million+) over the next 20-yearsAnd if that wasn’t enough,50% of the Columbus Population RentsAll-time Record Low Homeownership for the Millennial Generation (largest population in America- bigger than Baby Boomer population)The Average Market Rent in Columbus has Climbed to $2,000/mo.

I can't think of a better first experience (except for the tenant's some time live-in boyfriend, baby-daddy felon). 

There's plenty of variables involved, the biggest one being my wife is about to have our 1st baby any day now!