Balancing your account and doing taxes should be a breeze if you keep it organized up front.

MelvinPerhaps you can BUY their property from them on WRAP Around financing basis You pay them on a WRAP AROUND Note (eg. perhaps $1.00 over their existing loan balance) of where they can LEASE the home you and also give you an option to buy SUBJECT TO their loan if or when you exercise the option.

Subject-To is an extremely high-risk play for anyone not capable and/or comfortable with selling, refinancing, or repaying 100% of all Subject-To debt balances, all at once (if they have multiple). 

You may have to invest more time up front to cultivate the right relationships but these are the relationships that will help you grow and borrow funds that outpace your balance sheet.

We've seen tremendous interest from investors seeking larger balance investment property HELOC's or home equity lines of credit. 

A 6 months supply is considered a balanced market.

Given your strong financial position, the best way to move forward is to balance growth and risk management.

The only question is what kind of balance is best.

Think New York, San Diego, Los Angeles, etc.The problem with that though is a) You may not be able to afford anything there, or b) If you can afford a downpayment you'll be eating negative cash flow.In short, the highest appreciating markets may cost you too much per month to participate in because they have large negative cash flow.So you need to find a market that balances the two.

Some lenders also count your retirement account as reserves.Seems like you’re on the right track, keep looking in your buy box so you know what a great deal is when you’re ready to buy.Wish you the best.I upped my contribution to 25%, we have a cash balance account too but their match isn’t very good, it’s only 4.