With that said, use your common sense, or business sense to determine when you should be nice, and when to stand firm and adhere to your business principles. 

So essentially the total cash I would pay out of my pocket for this 95k cash flowing house would be around 45k?

After this I know I cannot leverage that with a bank but what kind of terms do you believe I could get with a private investor if I essentially would like to repeat the same process leveraging my 12 unit?!

As a Broker myself I think it is silly, its essentially a junk fee or a fee to pay for a transaction coordinator on the deal.

Your essentially increasing your APR by paying off early.Keep your nice conventional mortgages. 

Just finished The One Thing by Gary Keller.Getting started on Powerhouse Principles by Jorge Perez.

Well, in term of numbers, Silicon Valley seems to be on another planet, but the general principles are good.If you can make it to our free meet-up in Oakland on 3/20, that's be a great opportunity for you to network with other investors.I will definitely be there, what time are you planning to leave San Jose?

That is one of the foundations of our fledgling company and seems to be a guiding principle at BiggerPockets.

@Jimmy Napier's book Invest in Debt and @Gary Johnston has good financial calculator workbooks and a great class called "Financial Freedom Principles"

I also hold a full time job in Corporate America for the past 12 years, which consumes most of my time, although I do have an exit strategy in place...hopefully very soon.My goal essentially is to network and absorb some of the tremendous knowledge that is shared within this blog.