This can be achieved through a process called "note selling" or "note assignment" to a note buyer (investor).The terms of the note (interest rate, monthly payments, duration) are crucial as they determine the value of the note to the buyer. 

But if you have a $100,000 downpayment range you could split it up 2-3 ways with a 20-30k downpayment three ways.In primary markets like Orange County, where achieving a Rent-to-Value Ratio of over 1% becomes challenging, looking out of state is the answer.

- Set clear, specific, and achievable goals.2.

I don't want to get rid of my low-confidence aspect, as I use that to over achieve on things (e.g. my Software Engineering Manager 9-5).

Otherwise, you can achieve it by gathering a team, hiring a project manager, partnering with a sweat equity partner, or using turnkey BRRRR companies.

They are usually paid a fee of 25%, 30%, or 35% on the taxes they save you, IF they are able to achieve a property value reduction. 

By leveraging your equity, considering new investment types, and possibly bringing in partners or professional management, you can continue to grow your portfolio and achieve your financial independence goals.Best of luck, and keep us updated on your progress!

Search for "Achieve Financial Freedom 4x Faster with the “ROE Rule” of Real Estate"My gut: If you're ROE is low and you can sell it cap gains free, then sell it and smile to the bank.

Our closest competitor in Smithfield has achieved an ADR of $140 and RevPAR of $105 in 2022 and 2023, leading us to believe that a new mid-scale extended-stay property can achieve similar numbers.We welcome any insights from those in the hospitality industry on any aspect of this project.

Alternatively, we could do longer rentals and have my wife achieve REP status.