Since the borrower collects payments and not making them, generally the accumulated interest owing starts the date of the mortgage/note and are usually higher than conventional. 

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

However, I’ve been fortunate to accumulate some wealth over the years, primarily through smart investments in the stock market.

Also, it’s worth confirming if any particular lender requires the policy to have accumulated a certain amount of cash value before offering a line of credit.

Over time, as rents increase and mortgage balances decrease, your cash flow improves.Secondly, property appreciation plays a big role in wealth accumulation.

Traction is cold hard cash money seasoned in a bank account.Cash Accumulation is the most needed thing for many people.

My gut tells me that Texas, particularly Austin and Houston, could be where the next wave of growth and expansion occurs, mainly driven by strong business and job creation trends.Here’s what I’m looking for in my US investments:Free-standing houses with a good land component, at least 3 bedrooms and 2 bathrooms, and in well-maintained condition.Budget : Will have to keep a factor of safety for the current exchange rates of AUD.USD = 0.68 so will cap our budget at 250K- 300K.Yielding over 6%, with a slight cash flow positive outcome, while also offering medium-term capital appreciation potential.Holding for at least 5 years or more, with a view towards steady growth.The long-term goal is financial independence, reducing reliance on salary-based income, and building assets during this accumulation phase.Debt reduction is on the horizon—looking to consolidate and start winding down debt within the next 7 years.If anyone has experience investing in the Texas real estate market or any tips on navigating US property investments, feel free to share your thoughts!

My advisor suggested that at my stage of the game, 8 properties, it likely made more sense to keep the extra money available or in the business to use as emergency funds or to accumulate for another down payment.

An accumulation of those responses can sway you with these consistent replies but they won't help most people.

We almost stopped building after 2008 - 15 years of undersupply accumulated to a chronic housing shortage you can't fix in 3 years4.)