But I think a lot of folks, especially in today's environment, are looking to self-manage because cash flow is so hard to come by and self-managing might help a deal make sense that otherwise wouldn't.If that's the case I'd caution you on that approach.

That said, I'm not sure you're going to find any lender going down to 20% DP on a commercial property....especially not in this environment.

its a tough market right now for sure but also keep in mind we are in a rising interest rate environment so while prices may level out at some point (they may or may not , no idea) the cost of borrowing money will be more.   

It depends on your blended rate, but also the peace of mind with having a fixed rate in this lending environment can be a real asset.

After the first 2 properties, I've consciously acquired properties that are newer/nicer/larger than average so that they would appeal in a rental environment with more options, which will likely happen down the road.Hope this helps Erik!

In today's regulatory environment, at least one payment should haver been made following closing.

Alternatives to bonds certainly are merited in such an environment as you suggested. 

So I got started and modified the plan as I went to meet current economic conditions, lending environments, and my preferences.I hated all 30 jobs I ever had and just wanted enough passive income so that I did not need a job.

@Drew SlewWhile rates are still historically low, we are in a rising rate environment and have been for the past year or more. 

My mid-score is a 703 which puts me on the edge and in the higher rate environment anyone would like to at least minimize the interest rate as best as can be done.