I’m interested in understanding if a smaller down payment might be viable, or if 25% is generally the best approach to maintain a strong financial foundation.Thanks again for all the valuable information—this has been very helpful.Best regards,Liam 

I'll point out @Brian Burke as one of those who really had a healthy fear of the market, stopped buying, and got out. 

I love the systematic approach you are taking with your real estate investors. 

My approach was to partner with a GC, so he handles the rehab estimates with his years of experience.Another option is to read J Scott’s book on estimating rehab costs.I've heard a lot about this book.

Since it did not work out to sell with agent, was thinking about trying the for sale by owner approach, but wanted to reach out to see if anyone had any advice on pros and cons, and any guidance. 

I, being new myself, was considering a GURU approach.  

House hacking is definitely a great approach to get started in building your rental portfolio.

I’m still new to the industry and learning different ways to approach my goals, so hearing your experience is really helpful. 

Most municipalities have different mix-use categories which dictate the precise commercial use that's allowed.A few additional observations on mix-use assets and how I approach them (1) they are generally more difficult to finance than multi-family assets so expect lower leverage terms even if the property performs just as well if not better than a multi-family property and therefore price this into your acquisition (2) I focus on mix-use assets where at least 80% of the income is generated through the residential component.

The flexibility, speed, and personalized approach make private money lending a go-to for real estate investors, especially for projects that require quick decisions or more creative solutions.