LOL your cash is very safe sitting idle in an insured bank account. 

It kills me to pay out $2350 a month in credit cards with interest when i'm sitting on a possible equity of $200k+.

I would sit in eviction court and see these poor schmucks bringing an eviction proceeding against a seasoned scofflaw and they lose every time, hanging their head as they left the courtroom while the tenant looked like a Cheshire cat (minus a few teeth).  

That book is sitting in my lap as we speak, and you are right, it's very good and shares quite a bit of information.

Hey everyone,I have my down payment currently sitting in my savings account with Bank X for more than a year now.

Next it is just sitting down and following that plan to the best of your ability until you have reached your goal. 

you can after 2 years at least it was 2 years many moons ago.. you can then sit for your brokers and you don't need to affiliate with anyone ( this is what I do) so I am not a member of a board or a member of MLS.. but it allows me to make referral fee's legally .. the only cost is every 4 years continuing ed and pay for another 4 years.. so lots of ways to use one.Plus when you become a broker you can then legally collect fee's on HML you broker.. if your into notes at all this could work well also.

Please fill up my schedule I don't want to sit around for my visit lol. 

Take action, dont sit on the side line.  

Half my properties could go vacant and I could still pay the bills.Just take the time to sit down with pen and paper and pencil out what you could honestly tolerate, then save up to that amount.