At the guild there's a pretty diverse group where some people are flippers, some people just lend out money to the hustlers, others are buy and hold investors like myself.

As @Matt R. mentioned previously, there may be some responses coming from members promoting their services they provide. 

We read way too many horror stories about folks that bought out of state into a D neighborhood that was promoted to them as an A/B neighborhood! 

@Roberto SantanaFor me the answer was paying down all my debt.I had a car loan and 0% interest credit card that I used to buy some nicer clothes after a promotion (trust me I needed those suits... lol).I was deathly afraid of not getting the 0% card paid off before it was due (it's still not due but it's paid off...

@Charles Kennedy I hear these kind of arguments all the time from people that own and promote multi-family and honestly I'm not sure why they make such a big deal about it...

(No idea if this was just self promotion from Joe or not.

Thanks @Alexander Holmes,  Ben can point you to a good mortgage broker as well in SD.The Gator Nation is well and diverse!

The interview gives me ideas on how to promote my places and make them better for the next group of people that stay there.I buy sofa beds from garage sales and estate auctions. 

I'd like to "shave" off as much cash as I can to allow me some diversity in investments other than 1031s.

However, I would like to do more as the seller to really promote it.