Interest is 18%.for a total of 30.5k in debt.current financial status:1k emergency fund.1k in reserves outside of that.6 month plan:I'm going to japan in march with my sister so i'm currently reserving my money to do cool things in japan as it was my personal incentive to get my *** into gear and get my life together.after that trip i'm planning to tackle my debt in order of highest interest rate to lowest interest rate.I believe i can comfortable put 2500 a month into my finances. so i expect to be able to be debt free roughly a year from march.After that: im planning on parking my money into the smp 500 to help it grow until i have enough money for a downpayment on a duplex to a quadplex and doing the houshacking strategy yall talk about.

Everyone's learning style is different. 

It is a fantastic lifestyle (for the most part).  

Nailing down a buy box in the area, funding, and having a plan will come out of absorbing a ton of knowledge and narrowing down to what makes the most sense to you, what fits your life, and what fits your goals the best. 

No one speaks like that, in real life. 

Yes you "pay for convenience" with the build-to-rent REI model, but as a 1st time investor it was an easier path for us to at least get in the game knowing we have kids, jobs, life, etc.

"Soft" Bridge loan from Midwestern Life Insurance Agency.

"Soft" Bridge loan from Midwestern Life Insurance Agency.

That's one reason I hang out on BP - most people in my life can't appreciate the level of work it took to get to this level.

I personally like multi-family properties as they have less capex (one roof to replace vs multiple) but that is just my style with investing.