It’s a powerful tool for diversifying your retirement portfolio beyond traditional stocks and bonds.

The obvious downside, however, is that they’ll offer higher interest rates to compensate for the added credit risk.If you’re willing to submit to a traditional underwriting process, I’m pretty sure you’ll be able to find a rate that’s several percentage points lower than what you’re being offered now.

That’s not a bad idea however we already have an FHA Loan for our primary home so that wouldn’t be ideal and we are not looking to buy a property using a traditional loan as our goal is to use the Brrrr strategy for our first property.I believe If there is a strong strategy in place with a detailed bid of the rehab I believe that there is a possibility that we might find a hard money lender or possibly a DSCR loan opportunity.

Anyone who has been around and dealt with the inefficiencies and costs of traditional HVAC would easily prefer mini-splits.  

I don't have credit history in the US so I'm not able to qualify for traditional financing through a bank and being approved where I'm from is surprisingly just as challenging.

You can use HML don't get me wrong but if you just put a little bit effort in to pre-planning and getting all your ducks in a row then going with a traditional community bank would be a better option not only for your current new construction needs but also for future acquisitions.

If you're just trying to do a traditional buy&hold or fix&flip, you absolutely do not need a mentor to do that.

Since I’m holding these properties for the long term (30-year loans), I’ll have fully paid-off assets around the same time I’d traditionally start withdrawing from my 401(k).

I paid for the renovation costs out of pocket over time and finally got it to a point where it passes inspection for FHA/Traditional lenders.  

I don't disagree with a lot of your sentiments but the numbers don't work on duplexes in our market anymore like a traditional duplex where people want to house hack so in my opinion a triplex is the best. it also allows you to have highest asset value possible. in terms of our single family spec homes compared to our spec triplexes the triplex build to rent have the most interest.