Is it okay to scale with your own savings?

[Derek Luttrell]

Hi Everyone, 

I was wondering if there were people out there who, as the title suggests, simply scale by using their savings--especially those of us with high incomes, and are able to save much more quickly than the average person. 

I am under contract on my third property since July 2017, and it is the third that is more or less move-in ready. I've never done a reno, and so far have only done things like fresh paint, new window treatments, update appliances, little stuff like that. The numbers are working, and I realize there are better numbers through things like major value-adds and the BRRRR strategy, but is it crazy for someone like me who has saved and deployed $60,000 of my own money on down payments in the past nine months to scale this way?

I don't exactly have time to manage contractors, source materials, etc, and I feel like my time is better used to make sure I continue to excel at my W-2. Is this an unintelligent way to go about this? My goals are cash flow through buy-and-hold.