I understand the concept of the velocity of money, but I also understand that increased debt means increased risk. 

This is above and beyond the mainstream strategies of using this as my bank to buy my cars or other financed items to save on interest - real estate vehicles to me has a much great velocity of return.

AND if you think some sort of change could be realistically implemented.HI Scott,I was a computer science major turned finance as I found my calling but still an engineer at heart.The problem is in school they only teach the fundamentals of finance and theory (time value of money, real rate of return, cap rates, arbitrage, velocity of return, options, stocks, derivatives, and etc).

There is a good chance that the velocity of sales slows, but I would not count on prices falling drastically.

Accelerating the velocity of each and every dollar allows for more dollars to be saved. 

We all get our money from somewhere else like a Deephaven, or HomeXpress, or Velocity or LoanStream, or Sprout or Visio and the list goes on and on. 

im in management now but as a rep I was managing about 200 house holds at average velocity of 1% on asset which put me around 800k in production which I took home A little over 300k gross income, still not even close to your production, you're a prodigy!!

At payoff your cash flow has maxed out and you have increased your velocity of wealth creation.

Plus...escape velocity...Episode 113 – Jay Papasan - Very practical slow and steady adviceEpisode 221 - Tim Shiner - his concept of equity build up and "shearing the sheep" shows some of the flexibility of real estate vs a 401k Last but not least, I strongly recommend all the tax advice given by my fellow CPAs.Amanda HanBrandon HallTax Reform Update – Brandon Hall and Amanda Han Linda Weygant GuidesUltimate Beginners Guide Forum StickiesBP Calculators or spreadsheets uploaded by membersMy Favorite Books I have to say all of the BP books…right?

It's the equity capture that moves the needle enough to matter.Down payments won't change much, but having equity sooner will accelerate the velocity of your dry powder.