(Disclosure: a large part of that was luck but I always say, “The harder I work, the luckier I get.”)But let me back up.Before I made a penny, I took 6 mos to learn the trade.

For NYC, that's considered low.Now, let's see if you can get even luckier with just doing a few things and keeping that small 5.22% apprecation rate.Let's say you used a 20% down, 80% Mortgage.That means you would have bought your $1 Million 3 Family Flatbush property with only $200k down and some closing costs.