I was thinking 10% max on the downside.

The downside (other that having more investors) is that you will likely get investors that would have put in $50,000 if that was your minimum, but now they put in much less. 

They always try to reel you in with the rates.Also cover your downside. 

(The downside, Im missing out on a BUNCH of late payments... however my books are very clean now).

I’ll admit you’re less likely to get a reduction as prices are at or near their highs in most areas but there is very little downside in trying.

The downside to this bucket is that you may venture into a space where you have less experience, and as a result generate lower than expected returns, dedicate far more time than expected, or lose money. 

So there is no downside for you to get the additional liability protection.

As you know, leverage is great for growing faster but the downside is your situation is less stable.

It's a good model but you just have to know the downsides and risks before going in.

Or just visit this link to see your monitored topics:http://www.biggerpockets.com/topics/monitoredThe only downside to monitoring topics is that you get an email every time that thread updates, and busy threads generate a number of emails.