[Congrats on that achievement].So, cash flowing investments aside, the main hit to your DTI has been those value-adding (lifestyle?)

You have found the right place for a plethora of information on REI.Find and connect with other BP members that are in your area: https://www.biggerpockets.com/search/usersI hope BP helps you achieve your goals!

It wasn't the case then, as you can see it's not the case now, and I assure you the number of people who achieve financial freedom using RE leverage is far smaller that the number of people who achieve financial disaster.

@Chris Lawlor  it depends on what you are trying to achieve.   

Now, where you are might be different from where I am in life so maybe a 15 year loan achieves some other purpose?  

Those numbers are definitely achievable .

I’m genuinely interested in what you’re looking t achieve from a personal investment site.

On high level my “why” is to achieve financial independence.

Hi, we're Investors who have numerous Probate Estate Sales Wholetailing (Pre-Habbing) opportunities in the Baltimore/Washington, DC metro regions that require buying the property, cleaning it out ($3K or less of work) and putting it back on the market via the MLS to achieve superior ROI as opposed to completing a Cash Wholesale and or a Double Close transaction.

Lots to choose from - possibly need to focus on determining What You Want to Achieve?