I'm a Dave Ramsey fan and am currently working on my debt snowball etc., which is going to take me about 18 months to complete. 

Once your net monthly rental income is 2.5x the sum total of your personal housing expense (PITI) plus all monthly consumer debt obligations, your DTI will work out without any income other than rental income.

You don’t know how hard they had to work to get that lead, or how long, or how many of their dollars were spent on marketing.

Software that’s helped me personally:YNAB – zero based budgeting system and software; their philosophy will help you get out of debt and no longer live paycheck to paycheck Personal Capital – a high-level net worth tracking software PodcastsEpisode 108 - Grant Cardone...

It wasn't her fault she was leading me from her best judgement and if I wanted to do what she had done it would have been great advice, but I wanted to househack for as cheaply as possible in a good location and she didn't get that. 

Which leads to a series of additional steps, like annexation, zoning, densities, utilities (water, sewer, electric) and entitlements.A real estate developer is your best bet as a resource to conduct the initial due diligence and go into a deeper dive to define the project or projects best suited for the property. 

Door Hangers work my Dad did this in the 60s and 70s he bought his own printing press and guess who ran it after school.then he would go down to the salivation army Sat morn at 6 am and pick up those exiting the facility.. these guys would put out about 500 flyers a day for 20 bucks.. you could do it with highschool kids today. he put out 20,000 a week.. and then the 1% rule followed  200 leads  then 20 sales..

I have to say that the experience has been positive so far, with a few negative items such as the evolution of home prices and how expensive has become living on this state.At some point during this period I had a complicated health issue and I ended up getting into a lot of debt to pay for my medical bills.

And when you retire, bango, you are debt free and have a sh*t ton of equity, and a significant cash flow.

Better leads than zillow.