I truly do not believe they have changed or will change.

So I have my house that refinanced in 2020 for a 15yr 2.5% rate and we have about 56k equity.

I wouldn't recommend an ADU and take that money and invest it where you can pull capital out faster. you can do much better.

I recently took a leap of faith and invested in a mentorship program with Tom Zeeb and his Total Traction Real Estate Mentors program.

But how much do you really need?

I recommend everyone always create their own IRR calculator as they can get pretty complex and oyu will want to understand all the inputs and outputs. we provide a basic one to those in our membership group but I always recommend build your own and understand not only the numbers but sensitivity that lines up with those inputs.If you are hard money lending thats simple as its just a column of dates and amounts for loan provided and monthly interest and points.

I've owned a bunch of condos, so I speak from experience.

I would consider them to be more of a consultancy than a turnkey provider, and as such I think they provide tremendous value.Of course I could do all the legwork from scratch - research markets and properties, find lenders, get home inspectors and insurance and property managers and so forth - but RTR has already done all that and has far more experience and knowledge than I do. I

How quickly can you get the work done?

I both personally invest in real estate and help others gets started/expand their portfolios in various Midwest/midsouth markets.What I do with my kids: My wife and I have 2 of our rentals that are on the same street, with a home in between them.