Debt is attractive to most people because they don't have the funds to do a project and instead of saving for years this is faster and easier but things go wrong and if you don't have reserves you can quickly find yourself in trouble.

This could help accelerate how quickly you can payoff your first mortgage while keeping the interest you pay on your heloc at a minimum. 

A quick fix now can save you from potential negative feedback later on.I'd be happy to discuss more ideas!

A quick search shows that Ohio is a Caveat Emptor state with only 1 exception, latent defects.

We made an aggressive offer quickly.

Here is a quick market update on Valdosta, GA and what we are hearing from others with boots on the ground.

I’m not claiming to know it all—I’m here to learn, build relationships, and grow.Here’s what I bring to the table:A strong understanding of leveraging Net Operating Income (NOI) to secure financing and reduce out-of-pocket costs.Experience in negotiating deals and identifying opportunities, especially in the LA market where many multi-family properties are under $2 million.Skills in managing larger properties, from scheduling repairs and upgrades to optimizing operations for long-term value.The ability to use AI tools for data analysis, market insights, and deal projections to help us act quickly and efficiently.I’ll be upfront—my funds are limited after dedicating the COVID years to supporting my family, but I have the work ethic and expertise to find and manage properties that perform.

While you can't take forever and a day, because a desirable candidate has choices, deciding too quickly can be disasterous.

My plan is to possibly use it before the spring on a down payment, but then quickly pay it off (I'll have enough for 20% DP in spring but am trying to beat the buyer rush for that time of year).

Just a quick comment and recommendation about Roth conversion: Never convert cash into Roth; if you do - 100% of the cash converted is taxable.