It seems good to give folks an incentive to build things faster, but not at the expense of quality.  

It may be slow the first year or two, but having good credit will allow to move much faster and more confidently. 

Cheap tools are generally frustrating not only because they wear out faster, but also because they are not as accurate.  

Mine is a paper weight now.

If you want to move faster, up your piece count, but bear in mind that the number of touches is very important.You are absolutely not failing at direct mail....just a little impatient.  

I have yet to find a course catalog or a syllabus, though......and I'm not sure how much weight "Well, I read on BP that ..." is going to carry in front a of a judge, the building commission, ...

The pros are that you will know a heck of a lot more than an average buyer and be able to size up a deal faster, the con is BIG, you may know  too much and be deemed a "Sophisticated"  investor to the sellers.

And ofcourse advantages to paying them off faster was also that I could get loans from banks easily, since I am a newcomer to this world and really don't have any creative financing skills right now. 

It's around $24 per month but it's worth it's weight.

anything that would get you bigger returns and turn faster so you could continue to build up your cash.with 28k  to spend it all on a rental is putting 100% of your liquidity into one investment or in this case property.. that is in my mind too risky.. unless you were buying a property to live in.