@Valentina Manzati Because financing an investment purchase is going to require at least 15% down, you're going to need to focus on a property that you can call your primary residence, meaning a 1-4 unit home you live in while renting out some of it, or a 1-4 unit home you live in for a year and then convert it to a rental.

Buying down to 5.75% for $4,400 will give you immediate monthly savings and stability, which can be nice for budgeting as a new landlord.

I think I’m more focused on long term gain, some short term cash flow is nice but I’m not planning to try and live on it or anything.

Fortunately I was able to add a 30” model...so I got to spend $400 on a nice whirlpool stainless gas range that looks decent too!

The units look nice, the apartments are spacious and located in a nice town, close to the NYC train (50 mins from NYC).

Quote from @Jesus Rodriguez: Quote from @Robin Simon: Nice, welcome to BP!

Google Forms are nice to input cash transactions directly into spreadsheet, to get applications from tenants, to ask virtual assistants to enter data.

Do you have a nice amount saved up for the activities you enjoy(I assume yes given a 30+ year in Tech plus you mentioning making lots of money already in real estate).If that is the case, what are you looking to achieve now within real estate?

I am not going to rent a nice house to four 19-year-olds working at McDonalds because it's absolutely foolish, but I will put two of them in an apartment and give them a chance to earn a reputation.

A Heloc is nice if you want to use a small amount and then have a small payment but a Heloc is meant for small projects and maintenance.