Diversifying involves buying multiple properties to reduce risk and increase rental income.

Interest Rates and Mortgage RatesImpact on Buyers: Higher interest rates can make borrowing more expensive, reducing the pool of potential homebuyers.

So any advice would be extremely precious for us to leverage some past lessons and experiences from the veteran investors here to reduce our risks of investing.

Thank you everyone in advance for dedicating your time and energy to help those around you, to inspire and to reach your dreams.

.- with DCA strategy, we could reduce market volatilty, while idle money can be saved at 5% saving accont.- my biggest complain to 401k is actually not the employer matching, but lack of diversfication where I can receive high cash flow with low beta structured portfolio.- for example, although SPY lost 28% their value in 202, but as total return, my portfolio is flat because my dividend income is offsetting the market gain losses.- what I am trying to say is that, if you are a "professional fund manager", you could create your set of portfolio that could beat the market , in this situation , the 401k is even less important.

We use solar energy and batteries to power any electrical equipment.

Now, every 1% origination moves the needle by 20-35 bps, depending on the lender.Usually, the only folks paying extra points in this market are deals where cash flow is an issue and they need to buy down the rate for more LTV.I've brokered 300 DSCR loans, and the rates you mentioned are no way real unless you're talking very reduced leverage (50% or so LTV).

I would recommend doing a "reduced" (~60%-70%) leverage refinance which would help drive your rate down as much as possible and hopefully still maintain the cash flow that you would like to have, especially since they are free and clear.If you were to go the portfolio route, I would confirm with the lender you use what their 'occupancy requirement' is.

Appears best way for me to reduce my commission costs is to reduce my Roth balance by 10% each year.  

Or do I reduce the listing price by $50k?