Hi Kevin,I'm a big fan of buying with cash and my thought process is quite contrary to everyone else's.Cash is KingCashflow is QueenLeverage can be a peasant lolOne can retire investing in Toledo with $1m in cash.Off-course, this all depends on how many villages you need to feed 🤓I have too many "villagers" on my back so it's a bit of a different story for me.Sub $100,000 markets like Toledo require volume to work and to be worth the risk if you are looking to buy and hold.Not much growth potential long term so I would consider it a strict cashflow play.Start slow and small and you can always scale up once you learn the market.Or call it quits and exit if you decide it's not for you.IMO, leverage should only be used to scale a portfolio and only after you have immersed yourself enough in a specific market.And only once you have decided that you want to stick around in that specific market and invest in it long term.Over the years, I've witnessed many folks use leverage and attempt BRRRR out of state only to fall short and say "the market sucks and it doesn't work".Nothing works unless you make it work and a market like Toledo can work better than any other market I know from a cashflow perspective.I've been investing since 2014 and flipped hundreds along with currently managing 400 SFH.Only this year have I started buying small multifamily properties.It's an adjustment and a different animal but let's just say it's in the same breed of animal lolImmerse yourself in a specific market and become an "expert" on the numbers in that market.Find off market deals, negotiate hard, buy with cash and buy quickly.You make money when you buy and not when you sell so you must buy cheap.There are many ways to skin a cat mate and this is how I get my fur lolWishing you much success

Slow and steady still wins the race.Instead of investing in real estate, I'd suggest starting a business on the side in real estate.

I've definitely been scoping the Richmond/Nicholasville/Georgetown areas, but I worry that appreciation will be slow in those places in addition to the cash flow being thin everywhere. 

If your income grows, you’ll be in a higher tax bracket, so paying taxes now at a lower rate makes sense.3) Access to Funds: The government keeps pushing back the age at which you can withdraw from these accounts without penalties.

The beginning of growing a real estate portfolio is slow and steady, but as you get momentum with more units things will snowball.

The downturn will eventually spread across the nation, and to a somewhat lesser degree affect those areas that had lower price appreciation.My timing prediction: the oncoming slow-motion housing crash will become very evident within 6 to 9 months after the first Fed rate cut. 

Hi Dustin, I will say that section 8 and rental assistance programs are quite slow when it comes to getting back - if they do qualify, they should be able to get rental assistance but it likely will take a bit of time before you get paid as a landlord.

This will slow down with the recession, but things really have gotten crazy.

The real estate and contracting business can be a little slow to embrace technology.

I did withdraw from my 401k for this first property downpayment as I do not pay penalties on withdrawals and will definitely kick me into the next tax bracket for this year for overall income.