If you see someone violating the rules, create a post with "@moderators" and we will receive a notification and respond.Again, welcome to BiggerPockets and happy investing!

You mentioned a topic - got quoted and asked to explain...and crickets. 

We do PML and HML.

This means buying a property with at least 2 units and living in one of the units and renting out the others.

@Kareem DanielsJoin a local real estate investors association and network to find a mentor. 

Real estate is all about relationships, and persistence is key.

It's a good time to start exploring your loan options and setting yourself up to search alerts so that you can become familiar with the area, and start running the numbers :) it's a little harder to cash flow in the north side, but the appreciation is quite significant. 

What does he consider a substantial down payment and does he know that he has to pay capital gains on that down payment instead of just on the payments?

And that was a few years ago.

You make more when it's uneven and you can live in the smaller unit.Focus on the asset and the area, as long as you can withstand net negative or breakeven cashflow, and you will gain in appreciation.