I know a couple that if you even sound like you're wanting to contribute to thier little domain, they will cut the deal for spite!

Having a property management business may be good if you want to have ordinary income which will allow you to deduct health insurance / retirement plan contributions.

If you can contribute time and labor to deals, you may find someone willing to handle the financing piece. 

But if the contractor isn't contributing financially and only doing the renovation work I'd think 50/50 would be fair.

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Ask questions, seek feedback, and actively contribute to the projects you're involved in.Specialize and Focus: Consider specializing in a specific niche within real estate investing that aligns with your interests and strengths.

I think you may have your understanding backwards as a very common strategy is for people to contribute to their 401(k) through their employer to get the full match, and then roll those contributions into a ROTH account at the IRS maximum per year (currently $7k).

@Mike Lambert always appreciate your contributions to the forums, Mike.

We’ve researched using a HML, but aren’t sure which would be smarter and have less impact on us financially as a newly-married couple, since personally, I wouldn’t be taking any risk or contributing to the purchase.

I have read about it over the years and while is seemed a big far-fetched when I was younger, I am now at a place where I can see the logic of the expansion over multiple properties - I think it was the BRRRR method that really sold me - where each property can contribute to the down payment of the next property (Still have a lot to learns about the mechanics of that and the balance of the extra monthly payment cost of the cash out re-finance, but I can visualize the logic of the concept).Sincerely,Joe