If some or all of loans are or could be at very low interest rates (< 5%, for example), it might be less financially savvy to pay back those loans as fast as possible then, say, invest the extra money in other ways that might generate > 5% returns (stocks?

Real Estate experts and other celebrates come out one day to motivate you to get involved in real estate and stock.  

You should know already, that the Retail guys start Buying at the Top and Sell at the Bottom in Stocks.

Lower priced restaurants like McDonalds, KFC, etc. get replaced with more upscale Sushi, French and higher priced Artisanal Gourmet restaurants.It also causes Crime to decrease, which also adds increasing demand to live in the neighborhood.This is a great boon to Owners of the Housing stock as the changing landscape increases the value of their rentals and causes sky high appreciation.

The thought of having a passive income and larger returns than my stocks keep me motivated to learn as much as possible.I am around the Charlotte, NC area.  

getting a reality check is half the battle I see so many folks run around trying to pull things off that simply are not going to happen.I have been a bank borrower for 25 years now and own stock in a small commercial bank.. so I have a better than average knowledge of how they operate.. and they simply are not going to take ANY risk. .you either have money and experience or you don't if you don't have both your 100% wasting your time. 

I've been investing in stocks for a few years and then bough my first duplex in 2015.

Stocks, start ups, money, every type of real estate I can.

It looks like standard card stock (like 3x5 cards thickness, yellow color).  

I have been entertaining investement choices for my money (CD's, stocks, etc) but from being on BP I know the most important thing for early retirement is passive income, which MF investing would ideally provide.