The excess money goes to my current revolving credit card debt and truck payment with my 2 other loans and I pay off and that frees up 620 extra bucks a month I take care of the place for a year on my current job with my wife making 3300a month and then get this house leased out or rented then that people help pay my mortgage and costs then I get into a better mobile home paying about 300 a month and saving towards the next property soon after that year and making the next down deposit with my own cash and owing no one except the next person to fund my next apt complex!

That way you can earn income, keep fees low, and get the power of a big brokerage.   

They always sell as long as you give them little extras and sell for the right price.

You will need to negotiate who will pay what and/or earn what. 

We have used mutual funds, bonus payments at work, inheritance funds, birthday money...we just set aside all extra funds so that we could have down payment funds for the next rental or renovation.  

In your 20s go for the stocks, you can earn more to off set the risk if it crashes, but as one gets older the advise is to move out of stocks to bonds, then as one ages more, to more further from stocks, some away from bonds, and get into cds as a larger holding. 

I might add to that the Command hanging hooks, extra light bulbs, and heavy duty sink and toilet plunger.   

Over-financing can be an issue when too much money is borrowed (the interest rate and length of the mortgage are factors).Warren Buffett refers to free cashflow as owner earnings, which is money you can safely take out of the business without jeopardizing the business.

Takes a little extra time, but saves having to patch walls ceilings which usually takes more time.

He has 3 kids and they still are struggling with the idea of buying a house and all the extra responsibility it could bring as well as expenses.