I have it separate from the rest of the application.

Thanks, @Stephen Barton -- that really means a lot to me and the rest of the team!

I too am a Tulsa native however my investment approach appears to be slightly different than the rest of the posters here.  

Do I put 20% down on a home and invest the rest?

I can tell you if they are FHA, conventional, or owner financing dominant areas, if they're slow, if they're hot, if these two blocks suck compared to the rest of the area, if an oversized house will sell for the average square foot price(sometimes they will), what it will rent for, if you need a single garage or a 2 car or even a driveway, will you need central heat and air, if most of the houses are brick or brick veneer or siding, 1 bath or 2, rear access to the house, if a tenant will need a gun and a knife to fit in or a beamer and a rolex, if you will need to speak Spanish to buy stuff at the convenient store or Vietnamese, Ebonics, Hick, or absolute proper English.

Wait until she is rested and then start to look for a deal so good she will only need to organize contractors or per hour workers.

I can buy a 2-4 unit for myself to live in one unit and rent out the rest in San Diego County.  

Once I realized that numbers make sense, I told him I will be bringing my broker whom I trust to take care of rest of the transactions.

She is being advised to  sell her current condo, pay off the existing mortgage, use the balance to support the 20% dp and then invest the rest in the market where she might receive $400-$500 return monthly for living expenses (too risky in my opinion).

Bought a couple non-dividend paying stocks and the rest is sitting in a govt bond fund.