My leverage wasn’t that bad. To close I had to spend about $4,000. No down payment. It’s an FHA 30-year fixed at 3.85%, so I bought really at the bottom of the market. I’ve got a great tenant and about to renew them for another year with no increase in the rent. The income from that has been a god send and I’m net positive on expenditures. I’ve managed to get 3 months ahead on the mortgage payments to account in case I DO have a vacancy and need time to find soenone. I just got extremely lucky. I bought out of a fear of being homeless (for whatever reason) and to secure a foudnation for myself as I grow older. It’s become much more and I’ve learned a helluva lot.