Additionally, while rates aren't historically bad right now, they are higher than 4-5 years ago, and they will be even higher for you as an investor than they were as an owner occupant, which is what you were when you bought originally.I get that you are anxious to add to your portfolio, but that could be achieved without touching your first golden goose.Sometimes on BP, the push is to leverage every last spare penny, but that can be a risky game as the markets shift. 

My resources and skin in the game is being allocated to the remaining balance of X purchase price.What path do you recommend in this scenario? 

It can simplify end-of-year paperwork, but you’ll want to confirm the details with a tax pro.3.Long-Term Game PlanPaying out of pocket and keeping your medical receipts can be a great strategy.

There’s also a good mix of duplexes, triplexes, and quads, so you’ve got options for a solid house hack.House hacking is actually how I got into real estate—I’ve done two house hacks with duplexes here in Chattanooga, and it’s been a game changer.

Paid a top local esigner to come have a look and all she did was insult our cute little place that was doing just fine.....But I think where a designer could add value is by suggesting unique areas, like game rooms, coffee bars, outdoor BBQ/play areas, and stuff like that. 

It seems like there’s an opportunity here for the right buyers who still believe in BRRRR.Curious to hear from those who’ve been in the game longer—do you still do BRRRR, or did you pivot?

Please feel free to reach out to me and my team if you would like to come up with a game plan and build your buy box. 

No (institutional) lender will finance 100% of your purchase price as a purchase, all lenders want "skin in the game".

The amount of downpayment requirement insures buyers having "skin in the game". 

House hacking in Chicago can be a game-changer—letting you live for free (or close to it) while building wealth through real estate.