My goal is to reach at least twenty properties (cash payment) to achieve some passive income.

It is a great company to work for as I am able to help fellow investors find deals and achieve their investing goals.

So I'm aware of the importance of home ownership, and would like to help others achieve the American dream.

What is the best way to achieve this.  

I have a determination and passion to achieve my dreams.

“Only those who dare to fail greatly can ever achieve greatly.” - Robert F.

Your example is true and I believe you have your answer, but I don't think anyone addressed your situation and what the leveraged strategy actually looks like.Instead of buying one 60k house, you buy 5 at 20% down, which would really be more like a 70k HEL.If you cash flow $300 a month on each house which seems very achievable over a 10 year period with your numbers, you're looking at 18k a year.  

My number one reason to getting on BP is to network and learn a straight path to what I want to achieve so I dont have to make a lot of costly mistakes.

I would imagine if you were buying a fixer upper at a discount, or something that needed some TLC in this price range, a 10% appreciation after your repairs wouldn't be too difficult to achieve.

The key to creative financing is to understand how a conventional deal works, then to modify the various component parts in unconventional ways to achieve the desired results.