You can get started with rent to own/lease option or another creative strategy like buying subject to. 

Also, when interests were low in US, Heloc used to be a good option.

Even in HCOL areas, adding an ADU typically does not make sense because developing a single small unit is the most expensive residential development that exists.Adding an ADU is a lot of work (probably more than a brrrr but with worse return), has poor financing options, typically adds less value than the cost of the addition, and detracts something from the primary structure even if it is just yard and privacy.Good luck 

I recommend comparing lenders to make sure you get some good terms and financing options for your next investment!

There's a few mortgage brokers in the area I'm happy to connect you with do dive deeper into your options.

I love that you have specific goals for 2025 - I believe if we think it, write it, say it, and share it our goals are 10x more likely to come to fruition.Are you able to do option 2 and just house hack a 2-4 unit building and use a renovation loan which allows you to put down 3.5-5%I highly suggest getting to some local chicago meetup groups (we have an in person one on the 17th)...here is BPs list: https://www.biggerpockets.com/forums/521-real-estate-events-...I also have a full list of the chicago meetups that I can share with you too if that'd be helpful.

We are doing really well, though, and have a lot of options for growth now.  

Hi Garry,To ensure your safety, it is highly recommended to visit areavibes.com and select the "See more crime data" option.

Some types of Creative Financing include: Seller/Owner Financing, Land Contract, Wrap, Assumption, Subto, Lease Option, Contract for Deed.

Not sure you really make more money.BRRRR would be interesting if you can find it.Flipping is competitive and brings in cash but not long term wealth.They all are great options, it just depends.