I have this crazy debt ratio without any bad debt (no credit card debt, no car loans, no personnel loans, no toy loans (I have various ritually every toy: 7 cars, 2 boats, a motor cycle, beach house - still missing a plane)).Dave Ramsey’s advice is correct for many/most Americans but is hindering to most BP users.best wishes

The only issue is that its tucked against the highway and basically at the end of a commercial street with geographic barriers all around, so theres really no opportunity for any other development ie multifamly etc in that vicinity.

Is there such a thing as the "best" zip codes or is each street different? 

There is one just down the street from me, and the neighbors don't like it at all.

Purchase price: $325,000 Cash invested: $100,000 One of the projects I’ve worked on is the Kismet Sober House at 793 Main Street in South Portland, Maine.

For BRRRR, tighten a simple buy box first: solid B neighborhoods, safe streets, 3/1 or 3/2 SF homes that already rent near market with light-to-medium rehab.

Quote from @Andrew Street: That’s a great question!

Minimum of 2 off‐street parking spaces available for guests.Vehicle limit: Typically 1 vehicle per 1-bedroom unit, or 2 vehicles for 2+ bedrooms, unless the Director approves more based on site conditions.Occupancy limits: Generally maximum of 2 persons per bedroom + 2 extra persons for overnight occupancy.

Instead of generally looking for a multi-family, pick two or three neighborhoods that have the right blend of strong cash flow and moderate risk, like parts of Hilltop or Whitehall.Once you know exactly what streets you want to buy on, it makes finding the right investor-focused agent and property manager much easier because you can find people who specialize in those specific pockets.Good luck with your search!

If you and your wife are committed to investing in all cash, I recommend Wall Street.