She decided that it was quicker to throw small buckets of water over the tile.

HI there Indy, welcome to one of the best places to learn and grow within the real estate world.There is great value in the pod-casts within bigger-pockets and as well as meetups in different communities, and face to face with real investors that get it done, learn from the others and create some value to some in anyway possible.lots of us investors on here are looking for everything from raising capital and partnerships which is leverage in allowing others to invest in your dream and vise-versa.( using less of your money to get more deals, you'll expand quicker)If you're looking for more guidance and help feel free to contact me and we can show you the ease of growth and long term on being in the investments to get you towards your goals.

These guys are of course total scammers trying to say you could pay the debt off quicker at 21% than at 4%.....that really is kind of funny.

Not a bad way to go, but just keep in mind you have some equity sitting that'll get you to your goals quicker if you use it.  3.

Work to pay off the balance of your loan quicker so you can drop PMI sooner. 

Quicker close, lower closing costs, and better rates....

My question is if it's always better to purchase properties in cheaper market where it takes less capital and the rent to price percentage is easier to get above 1% or if it's worth investing in a city like Denver where it's very hard to get the rent/price ratio over 1% but the cost of the real estate increases much quicker than it does in other less desirable places to live?

That would be my play here, I think its a quicker way to scale.

if your a beginner highly unlikely your going to get Zero money down deals.. there will be some closing cost some cost involved.. you should work on some kish up front then go shopping.. nothing spells failure quicker than under funded.

When you do down payment requirements are only 3.5-5% allowing you to purchase quicker and often as you repeat the cycle. 21k should be ample depending on your avg price point and your objectives.