Quote from @MIchael McCUe: Money isn't easy to save and $10,000( my debts) is a ton of money I want to save for a downpayment, I'm just starting so I don't have any money I would like to save $60,000 to buy a rental property, I think I could do it in  5-6 years, my brother filed bankruptcy and they relieved him of $6000 in debt from cash money.a list of my debtGst Hst Tax 4500 income tax from working with my dad I oweScotiabank credit card 1400Canadian Tire credit card 500cash money loan 2400Belair 600echelon 600should I pay the 10k back in the next while or should I file bankruptcy like my brother as It won't be for years until I am able to get a downpayment for a rental house anyway.Here are the negative consequences, in regard to real estate, of filing bankruptcy1.

I personally think being a landlord in Chicago is easy and I have never had an eviction. 

Even with all I mentioned and forgot to mention above the real estate money was easy moneyHere is the house https://www.corcoran.com/nyc/Listings/Display/4778829?

Are you wanting to know how to access a SDIRA or are you asking what are the risks associated with using SDIRA money?

It isn't easy to make things pencil, and I don't see it getting much better over the next 12 months.I have changed my rental strategy to Co-Living (rent by the room).

There is a big push to get the easy cases to get the stats up these days.

It wasnt an easy decision, but he’s now breathing easier with stronger cash reserves.Another thought: refinancing.

As a broker, I do have access to about 15 companies that do helocs on investments! 

While I am always looking for off-market, as an agent with access to MLS, that's my primary source of looking for deals right now. 

They claim to charge in the "high 4 figures" - one web source says it's $4800 - to join their group and get access to their network and resources.