Trying to forecast the trajectory of rising mortgage rates is complex due to market variables like inventory levels and potential interest rate shifts.

Here are some pros and cons of each approach to help you decide:Paying Cash for One Home and Refinancing LaterPros:No Mortgage Payments: You won't have monthly mortgage payments initially, which can reduce financial stress.Equity: You own the home outright, giving you full equity which can be used for refinancing.Lower Costs: No interest payments and possibly lower closing costs compared to having a mortgage.Better Negotiation Power: Cash buyers often have more negotiating power and can close deals faster.Cons:Opportunity Cost: Your cash is tied up in one property, potentially limiting your ability to invest in other opportunities.Refinancing Risks: Future interest rates may be higher, making refinancing more expensive.Market Fluctuations: Property values might decrease, affecting the amount you can refinance.Buying Four Homes with 20% Down on EachPros:Diversification: Owning multiple properties diversifies your investment, reducing risk.Rental Income: Potential rental income from multiple properties can generate cash flow.Appreciation: You benefit from the appreciation of multiple properties.Leverage: Using mortgages allows you to leverage your investments, potentially increasing your return on investment.Cons:Higher Debt: You'll have multiple mortgage payments, increasing your debt and financial obligations.Management: Managing multiple properties can be more complex and time-consuming.Market Risks: Market downturns can affect all properties, amplifying risks.Cash Flow: If rental income is not enough to cover mortgage payments, you could face cash flow issues.Considerations:Financial Stability: Assess your current financial stability and ability to handle mortgage payments and potential vacancies.Market Conditions: Consider current and projected real estate market conditions and interest rates.Investment Goals: Align your decision with your long-term investment goals and risk tolerance.Professional Advice: Consult with a financial advisor or real estate professional to get personalized advice based on your specific situation.If you prioritize lower risk and less debt, paying cash for one home might be the better option.

This can be a bit tricky, as you'll need to navigate the complexities of securing financing for a foreign investor.

Just that a 401k/QRP for an owner-only business is able to sidestep much of the complexity to which 401k plans are subject.In other words "Solo 401k" does not describe the type of plan; it describes the type of business that adopts the 401k plan.When you get a "Solo 401k," you're being given an honest description of the limits of the compliance support you'll be getting - adequate for businesses that don't have non-owner employees. 

@Michael Doherty A very complex purchase.

I usually have an LLC each for my major Rentals ( 18 unit complex and 12 unit complex). 

Areas are tough because enrollment is down and they have built several large new 200+ unit complexes in the last few years.  

I’ve been in the real estate business for over 20 years, and I’ve seen my fair share of complex deals.

I (obvious) don't have a background in accounting or taxes.The history of my coming to be the sole shareholder of this s-corp is complex, long and, I have no doubt, filled with tax-planning blunders.In case anyone is still interested, and inclined the help, here it is in as abbreviated form as possible:1967:  5 families bought this property as a summer vacation for them to use collectively1980:  1 of the families sold their share (20% of the property and what is effectively a lifelong lease to one of the 5 cottages). 

Before I bought it I was buying real estate giving myself and my daughter something to do, my lily girl (Alice kate) was disabled and a single father it gave us something to look forward to every day rehabbing apartments, I started doing some research on turning a small complex into something for her and design it for her wheelchair in case something would ever happen to me, she would have her own place ,in my research I seen assisted living facilities and thought thats what she needs something with nurses. well I found this 4000sqft building and it was an ALF I made the owner an offer and bought it!