Chris Gray and Kevin Turner respond to a listener question:  “I am struggling to get a start at property investing.  I have been saving like mad and have $15K ready to go.  Not enough.  I just don’t seem to be able to get ahead.  My sister and her boyfriend are in the same position.  Together we have $40K saved (or will have early next year).  We want to buy something togethe”.  Any advice.  Mark’

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