Here's the secret: Use a private lender for your down payment/closing costs, and a regular private lender for the debt.

For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

One word of advice, keep an eye on your Debt-to-Income (DTI) can make it difficult to get all those houses in your name. 

I don't know who is fragile, having a bad day, just asked a bad question, so I have taken note to be a little more forgiving going forward, but also still coach and act the way that I am and they way that I would want to be coached or talked to.Lastly, I think A LOT of people need a cold dose of reality.

So get liquid and get to know people who are liquid because the debt markets are going to punish valuations in a big way starting in Q2 2025 

I paid off all debts with the exception of my home; and now i feel i am ready to start in real estate.

If you plan on moving and keeping the other property as a rental, it's imperative to ensure that the revenue from the rental far exceeds the debt payments from the new refinance since you don't want to create a negative cash flowing property, aka a property that cost you money each month.

Here’s a rundown of my current situation:- Own an S-Corp (landscaping) generating 70k a year- 160k in available cash funds- Credit score around 720- Zero debt- Own one property valued at 365k, 30% equity- Property is rented by the room generating $400 a month after mortgage and taxes- Additional 590sqft house is being built in rear of property for 60k.

STRs sound like too much work to me.Portfolio income = stock dividends, interest income (from banks, credit union etc), Master Limited Partnerships (Form K-1), Business Development Companies (Form 1099), bonds, interest earned from investing in a real estate debt fund, interest earned from being a private lender

Eliminate debt, establish a budget, and save.