You already have a pretty solid portfolio, so adding another property and generating more cash flow might accelerate your wealth in a way that the Roth can’t match, especially if you’re planning to transition to real estate full-time soon.The long-term game for you seems to be building that cash flow and equity in real estate, and it sounds like taking the hit on the Roth 401(k) could be worth it for the immediate returns.

And I feel the ideal portfolio can benefit from the diversification of both.1) Holdfolio isn't a match for me, personally (due to not enough experience, skin in the game, etc).

The fact that you evaluated whether to sell or do a cash-out refi shows you’re playing a long game and keeping your options open.

As we progress thru the real estate game, the most valuable asset we have is time.

Owning a duplex at 20 is a huge accomplishment, and it’s inspiring to see you’re already planning your next move.From my perspective, real estate investing is a long-term game focused on building equity, paying down debt, and maintaining stability over chasing short-term cash flow.

Love your mindset—real estate is a long game, and you're starting with the right attitude!

Would love an opportunity to pick the brain of someone who is seasoned in the game.

Like Eric said, investing is the long game.

This exemption can be a game-changer when it comes to reducing your property tax liability.

The problem is that I know a lot about the real estate strategies that I can do back in the US but Spain is a whole different ball game.