@Thomas Loyola you haven't addressed the Class of property you intend to buy, so your assumptions could be too low or too high.Your biggest challenge is you are assuming you have to pay asking prices!

@Tiffany Da Silva Your proposed banking structure is effective for organization and profitability.

Relationship-Based LendingBanks: Normal transactions are always cold-blooded and policy-oriented.Private Money Lenders: Most often work with borrowers to create solutions and value relationships over strict rules.The Bottom LineThe power of private money lending, I think, is a pretty effective alternative for borrowers who need speed, flexibility, and customized solutions—especially in industries like real estate investing.

Think of all the things that could go wrong and see if the lease addresses them: unauthorized pets or tenants, early termination, security deposit, lease violations, late rent, eviction, lawn maintenance, parking, etc.5.

It's a friend or family member and not a business, like a person, they would need to submit a proof of funds from one bank account with a signed letter saying they will provide the funds for the purchase of this address.

I don’t know which way to tap into equity and where to invest in .Quote from @Samuel Diouf: I love house hacking because you can get into the higher priced areas and leverage your money very effectively. 

But when you focus on EFFECTIVE purchase capital requirement, notice how that 1 little change of wording totally shifts mindset, focus, everything. 

Landscaping will have the largest effect on the resale value vs a kitchen or bathroom.

Many real estate professionals pay little to no taxes by using these strategies in combination with 1031 exchanges, creating a snowball effect of tax-deferred wealth.

I'd see if the employer would let me receive part or all of the bonus in 2025 for a number of reasons:- More time to pursue and execute tax-saving strategies- (Possibly) more time to hold on to the $$$ before taxes are due (2026 vs 2025)- Chance that, post-election, there is a possibility that there could be tax changes effective 2025 that could possibly help your situation.