This approach can help keep your taxable income lower, thereby reducing your PSLF payment amount, which is calculated as 10% of your taxable income.

In your case though, I've heard of people in Denver proper with duplexes who parter with LTR tenants (you could put them in the basement) who will co-host with you and be able to get a STR permit since it's their primary residence and you can work out a profit split for the STR or some kind of reduced rent for your LTR in exchange for helping you and you being able to keep the STR runningJust a creative idea I wanted to toss out as a potential plan B or plan C!

Automating rent collection is another smart move, it reduces headaches and ensures timely payments.For future growth, having access to financing options will be crucial.

Buy a SF rental, add some value (minor rehab), and refinance as the FED reduces rates in 2025-2026.

Without positive reviews, you often have to reduce rent to obtain tenants.  

These provide stability and regular income, which can be crucial in retirement.Cash: 5-10%Keep some liquid assets for emergencies and short-term needs.Consider these additional points:Diversification: Spread your investments across different sectors and geographic regions to reduce risk.Tax efficiency: Consider the tax implications of your investment strategy, especially with your high net worth.Regular rebalancing: Adjust your portfolio periodically to maintain your desired asset allocation.Professional advice: Given your high net worth, it's advisable to consult with a financial advisor who can provide personalized recommendations based on your specific situation and goals.Risk management: Consider your risk tolerance and adjust the allocation accordingly.

In 2024, Topgolf plans to reduce its venue pipeline to between four and six locations to free up cash for the spinoff.

It reduces the quality of the property for long-term tenants, introduces risk, and could potentially make the leasing desk look bad in front of their bosses.

Concentrate the agony instead of spreading it around.

I would suggest looking into a reduced PPP since we are in a rate declining market.