Leverage versus cash

[Maged Bishara]

Hi I've purchased several investment properties in the past and do far things have worked out nicely.

I'm a buy and hold investor because I want to increase my portfolio over time without the headache of flipping, renovating, dealing with capital gains for every sake, etc. Plus I like the passive income and the flipping approach is more labor intensive.

I like to purchase pre construction condos because if the price benefit of purchasing before the buildings are built and because they're new condos in good aareas (that I'm familiar with) do they're easily rentable and without too much maintenance.

So here my question. Should I purchase multiple condos with my own cash or should I purchase more while leveraging with the banks (day a 25% down payment each time).

Positive cash for is important for me because I still want to live off of the passive income.

But can we still achieve the same positive cash flow by purchasing, for example, twenty condos with 25% down or is it better just to purchase around right if then cash (to guarantee my passive income)?

I assume that it's an analysis that revolves around how much will be the down payment versus how many properties with that down payment versus how many properties will be purchased if it's with just my own cash....

Does anyone have any advice to give me?

Thank you