Recently, with inflation skyrocketing and mortgage rates bringing correction to the over-valued GTA market, I started to look elsewhere.It occurred to me that smaller cities that aren't subject to such hard land speculation and coupled with every-growing demand (e.g GTA, GVA), hold their values pretty stable throughout RE cycles - or at least don't get hit with such violent volatility.

Recently, with inflation skyrocketing and mortgage rates bringing correction to the over-valued GTA market, I started to look elsewhere.It occurred to me that smaller cities that aren't subject to such hard land speculation and coupled with every-growing demand (e.g GTA, GVA), hold their values pretty stable throughout RE cycles - or at least don't get hit with such violent volatility.

You can just put 20% down if you want, that's the simplest way to do it, but value add and refi's will help you scale whether you pay cash or do a conventional loan with 20% down, I'd try to keep recycling those funds until you are 100% FIRE. 

The trick is not to see that $100,000 as being spent, ever, but saved, and recycled.

In my view, any investor who has not successfully made it through at least 1 entire RE cycle is a newbie.

At that point I will likely pay off all the mortgages and go free and clear.All along the way I also adjust my leverage with the RE cycles ... after a crash properties may become over sold and under valued ... when I see this and think there is more upside, I will leverage up to buy more.

I have an unconventional home plan using recycled shipping containers in mind.

There are RE cycles.

Seldom is it ever accurate.SD is just at the top of the typical RE cycle every coastal primary market goes through.SD isn't cheap and for good reason.

The multi-family investor will tell you that although cap rates are compressing they are making money on disposing of assets and recycling back into value add opportunities.