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 I don’t know, I put 30% down on a rental property with a 3% interest rate on a 30 year mortgage. I’m basically arbitraging the dollar since inflation is higher than my interest-rate. The dollars I earn on that property are stronger than the average dollar which I then convert to hard money: 70% bitcoin 30% precious metals. Metals being gold, silver, and copper jacketed lead :-) 
 Yeah you put 30% down my people dont even have 3.5% for the down payment. I will never buy a house unless i buy it out right. I missed that bought and im 40 so yaaaa 🤷🏽‍♀️ 
 Sounds to me like you need to surround yourself with a better class of people. 12 years ago I had nothing and was food insecure. I was 38. Divorced, bankrupt, and my kids slept on mattresses that I got free off of craigslist. Some nights, the only food we had to eat was what I grew in my garden.

The kids: what’s for dinner tonight? Me: zucchini. The kids: zucchini and? Me: maybe a little butter and salt that I have saved up.

Today I own three houses, two of them paid off and two commercial buildings, which are also paid off. Two trucks a jeep and a motorcycle, all paid off. 

I’m basically semi retired and spend most of my day working on my Homestead. I’m not lucky, I earned everything I have. For a while I worked two jobs, and ran my own business. Some weeks, every waking moment was attributed to work. 80, 90, sometimes 100 hours a week went towards work. Have you ever worked 22 hours in a day just to go home, shit, shower, and shave just to turn around and go right back out to work? I doubt it.

You can have anything you want, you just have to put your mind to it. You have to put in the time and the effort. Eight years ago, when I was your age, I spent a day moving 90 pound bags of cement for an extra $300. The next day I needed a handful of ibuprofen and Tylenol, along with 3 cups of coffee just to get out of bed.

If you’re not working that hard, you’re just complaining. You can have anything you want. $300 earned equals $2400 in real estate leverage. I’m happy to teach you everything I did, all you have to do is ask.