I'm still in reconnaissance mode... so need to collect as much information and knowledge as possible before deciding what to do.  20-80 is more of a rule of thumb and not a "magical" ratio.

Investing in the market that you have knowledge of and the economic factors that support it is necessary. 

Get knowledge, follow experienced people, and leverage wisely.My Take:If you have two houses, excellent credit, and motivation to build wealth, you can learn to manage your money responsibly.Use HELOC, credit cards, and business credit funding to leverage your cash and buy properties faster.

Thank you so much for sharing your thoughts, experience, expectations and thorough knowledge about locations.

Please forward the contact information for any vendors with which you have experience or knowledge who can help exit a low-usage time share. 

Preparation is key, and relationships are everything.When closing a property deal, the funds typically required include a purchase deposit, which is refundable during the due diligence period, and an additional nonrefundable extension deposit.

I work full-time; I’m trying but I know there are gaps in my knowledge.

If you need an example, go to my profile page.With that knowledge, I can then give you better direction as to where, what and how to invest with real estate.  

Age: I think it will but you can minimize it by being knowledgeable, professional, confident, and fair.  

But he stuck with me I had a 1 mil credit line that they kept in place so I could make money it was on 90 day extensions for 3 years :( but if they had not done that I would have had to give them the keys back on a few commercial buildings I ate 250k negative cash flow on those buildings to make sure the bank got all their money..