I highly agree that coaching or even just joining a group that can help you learn the ins and outs, is worth every dollar.

Normal mortgage rates are in the high 6's now, for a personal residence, and higher for an investment property. 

You’re right, those factors (especially healthcare) and job opportunities for my spouse as an OT are just as important.The Midwest has been high on my list, not just for investment potential but also as a place I’m excited to explore.

I was just telling my friend today that I'm getting multi-family, high performance, and relationship mentoring all in one package! 

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

You want lower land cost with high rental demand unless you're a reno expert and flipper which not 1% of real investors are. 

As inflation drives rent growth, properties in stable markets like the Midwest can continue to deliver returns even in higher-rate environments.Market Conditions Favor Real Estate RecoveryThe commercial real estate (CRE) market has faced significant challenges in recent years, but signs point to a recovery:Bottom of the Market Cycle: CRE appears to have reached its low point in late 2024, with 2025 marking the start of a slow recovery phase.Limited New Supply: High interest rates have curtailed new construction, which should drive rent growth in the coming years.Policy Changes on the Horizon: There is growing discussion about potential policy shifts under the new administration, including a return of 100% bonus depreciation and lower interest rates.

Focus on long-term rentals in affordable markets with reliable cash flow, and steer clear of high-cost flips, lower-class properties, or overleveraging in areas that rely solely on appreciation.Good luck!

The percentages are going to be up to you There are all kinds of High interest account that require all kinds of hoops to keep them.