For some context, I have been listening to Bigger Pockets for over a year now and have big ambitions to get into investing.

You've listed the "big three", and those are all that are needed for most MTRs, especially if you have a limited number of doors in an area.

Mine were 100yo rowhouses first three $50,000, $45,000 and $35,000 all worth over $400,000 now.

Welcome to Bigger Pockets Tannia!

We've been helping investors from Bigger Pockets buy in Boise where that rule does not necessarily work - that's because we try to educate them that its more important to take action on an pretty good investment property than waiting around for a "home-run" deal. 

Minimize expenses and pocket as much of that $60k as you can.

You would need to contribute out of pocket each month to keep the investment afloat.

Cash on cash describes how much cash a rental property is putting in your pocket on an annual basis divided by the cash you took out of your pocket to buy it. 

It is always better to pay slightly more in points or closing costs and have a one year, instead of a three. 

Where are getting that consumers pay three times as much in commissions as other developed countries?