Here’s what I recommend:Cash Investments:No Debt, No Stress: With cash, you avoid third-party control and loan vetting, giving you full control of returns.Equity Builders: Partnering with builders often reduces your property entry cost by up to 20% below market value.Consistent 10% Returns: With an all-cash approach, achieving 10% ROI is realistic and efficient.Financing Strategy:If cash isn’t feasible, consider a balanced financing model:40-50% Down Payment: Keep leverage manageable while maximizing returns.Lower Debt Exposure: A conservative loan-to-value ratio (LTV) reduces risks and keeps returns stable.Work with a Builder: Collaboration with builders can lower acquisition costs and increase your ROI.Key Takeaways:If possible, prioritize cash for simplicity, control, and consistent returns.Financing can work well with a disciplined approach to debt and a strong underwriting process.Partnering with builders offers opportunities to reduce costs and enhance your portfolio’s profitability. 

The other problem with elevating an older home, although it helps reduce the risk from future flooding, it doesn't address bringing the rest of the home to current Florida standards.

Traditional lenders don't care about your savings or net worth; they care about your employment and earnings.3.

However, if I earn too much “earned income,” I risk losing these essential benefits.That’s why I’m exploring real estate and the stock market, as these generate “unearned income” and allow me to maintain my benefits while building financial security.

Every dollar spent on operating expenses reduces your potential income.

This attracts a higher-quality renter, ensures funds are available to maintain the home, and reduces the risk of major losses.

Real estate is going to be more rate and supply driven, than election driven.Equities will be election spurred(in the short term) but fundamentally earnings driven in the near term.

If you share a house with multiple roommates, you could significantly reduce cash flow.Good luck on your real estate journey, and keep us updated!

This will reduce fraud and disputes, making the job of title companies MUCH EASIER. 

House hacking can reduce living expenses but may limit roommates or share space.