But I also realize many people choose the direction of Appreciation first.In my hometown market (not Pittsburgh, but central NJ area), few small to mid size multi family properties could come close to cash flowing positively.

HELOCThis takes either first or second position (depends on whether you have a mortgage) and is a variable rate line of credit.

It’s uniquely positioned to partner with municipalities and other entities, helping them liquidate assets or solve challenges, which further accelerates its ability to make an impact.At its core, the organization will focus on:Creating Value: Through education, economic development, and cultural enrichment programs.Providing Access: Lowering barriers to entry for community members who lack resources or skills.Scaling Impact: Working with municipalities and businesses to amplify its reach and effectiveness.Why Am I Really Doing This?

With your equity and clear goals, you’re well-positioned to scale—best of luck!

Consider starting with a smaller, more affordable multifamily to keep your mortgage low and cash flow positive—even if it’s not your dream property.

Although we do have deals on the lending side that dont work but we are not forced into a position to take big loss's like we were when the banks were calling our loans.. this will happen in the DSCR world as all these folks are using same type of debt IE debt that can be called based on the terms of the debt or like you have seen with the syndicators that are talked about on BP max leverage bad debt things dont go right And you have cap calls or projects totally lost. 

Per CoreLogic, only 1.8% of all mortgaged homes are in a negative equity position, and the average homeowner across the US has $311,000 in equity.If anyone has contradictory data, please share.

It is important that I not only pursue the American dream, but do so with an upbeat attitude and stay positively motivated.

We pride ourselves in keeping the forums positive, helpful, and focused on real estate (please, no politics, religion, etc.).

We pride ourselves in keeping the forums positive, helpful, and focused on real estate (please, no politics, religion, etc.).