the reason why I have never paid a down payment for any piece of real estate I've acquired uh I've satisfied down payments but not with my money I leverage them 100% with full liquidity leverage without liquidity is stupidity but the reason I keep my real estate Equity separated is to maintain liquid access to that money when I need it if I tie it up in a down payment or extra principal payments I can't get it back unless I can borrow it back on their terms or I sell the property I want to have safety in case the real estate goes down in value and I want to earn a predictable rate of return that typically is double even triple the cost of the funds if I borrow money at 4 and a half% tax deductible that that's a net cost of three I can earn 9% which is 300% more than the cost of the funds if you want to learn how to do this click on the link below contribute towards the shipping and I'll cover the rest of that and I will pay for the book