My ultimate goal is to build a portfolio of cash-flowing properties to achieve financial freedom.I’m currently seeking mentors who can guide me through this journey and help me avoid common pitfalls.

Anywhere near Evens has gotten very expensive, so cash flow will be tougher.

For investors, would earning passive income through property cash flow (without actually owning the property) be appealing?

Are you cash flowing the property?

A prudent investor doesn't seek quick riches through shortcuts.

If you don't intend to do that right away then do the 20% and save the extra cash flow.

You are going to be great through the highs of the next few years after this year.

@Yael DoronIf you're working with a $150,000 budget and aiming for high ROI through rental income, consider nearby areas around Phoenix that still offer affordability and growth potential.

Happy to go through some details on that if that'd be helpful.

But I haven't done anything through auctions yet, as I have not purchased through an auction up to this point.