There is risk with leverage, and your cash flow will be less, BUT from an return perspective, the less money you have in a deal, the higher your return will be.

So no retirements plans for me.Regarding debt, I definitely avoid high interest personal debt, but will always be open leveraging financing if it makes sense.

(Your not far off, and you may not be at market rent) This is a rule of thumb for purchasing only. 2) Most folks on here want to Leverage to the hilt which would make your cash on cash returns much higher.

This may not even exist but I’m wondering if there are ways to leverage your investment homes as collateral to avoid a hefty down payment on your primary residence?

Or stay in place and use technology instead of people coming through, you can get a digital floor plan made. 

UW didn't get more conservative, leverage didn't drop, asset class (A/B versus B/C) didn't change. 

Second, I want to leverage those tenants to accomplish as many of the needs of the surrounding neighbors as possible, including the process of buying their property when the time comes.

I finance these assets all the time, and I always have to explain to my newer (and experienced investors actually) that leverage in the small balance multifamily game is capped at 75% for a vast majority of the players, in a healthy market. 

Why should there be any correction in the housing market except for investors who are over leveraged and will have to unload properties as rental vacancies rise.

Clay tile is old technology but if it isn’t collapsed I would be tempted to run it and see what happens