I have goals that I want to achieve.  

Could you achieve a better yield by investing elsewhere in the U.S.?  

We do live in one of the most expensive areas in the country, but there are many of us based out of the Bay that make it work - and you can do.Start going to some of the local BP meet ups and tell everyone what you are trying to achieve and just listen and learn to how others are making it happen here.

For example, if you have a one million dollar portfolio earning you 5% ($50,000/y), and you "borrow" $100,000 of it to buy you a rental investment, then all of a sudden the stock market nose dives so that your portfolio is only valued at $700,000, all of a sudden you owe your portfolio one dollar for every seven, meaning that your portfolio is only worth $600k.But if you had only used $20k and took out a normal mortgage for the other $80k, your portfolio would still be worth $680k.In both scenarios, the value of your property investment will likely have fallen by the same proportion, so the real question becomes: how much built-in equity did you manage to achieve to begin with?

So in short, do not focus on HOW you will exactly achieve financial freedom.. because I'm right there on the path with you my man.

Account ClosedWelcome and May you achieve your dreams. 

I sometimes question the risk and stress involved and think i need to keep a carrot dangling in front of us to achieve greater things.

However, if you're looking for high Cap Rates (>10%) in good areas at retail prices, that's what you're really left with.I used to live in California and decided to sell my assets there and move to Las Vegas to achieve better Cap Rates, but still have some room for appreciation.

Someone that your parents know has some rentals is would probably take you along to do repairs even if it's not paid you will learn first hand.

BP is a great site for folks to network and help achieve their goals.