If you had 25%, you would still need to borrow because you don't have 100%.Smart investing includes three simple steps: increase earnings, reduce expenses, and save.

Trading up in rental properties after a few years can be smart because it allows you to leverage the benefits of a 1031 exchange, which defers capital gains taxes, letting you reinvest all your equity into a more valuable property.

But, for the time being, smart money will buy a Tesla Plaid or a Model 3 which will soon be outlawed for its dangerous 0-60 times, but may retain its configuration and become valuable.

And to those that are thinking about joining be smart and do your own homework.

Leveraging a HELOC to fund the down payment and construction can be a smart move, particularly if you can lock in a favorable rate on the HELOC.

Lifting the roof to create more room sounds like a smart move, especially since the whole building will be getting a roof renovation anyway.It’s awesome that your family can pitch in with the renovations.

You need to really understand the risks and align yourself with smart people/teams that aren't just looking to take advantage of your ignorance.

Targeting out-of-state landlords sounds like a smart move  

Like would it be smart to work off this list? 

Quote from @Paul Dentinger: Missoula Property Management or Rent Smart Missoula