@Tyler Bushey nice try, those of us with oil are often a mile or miles from natural gas and propane is $$$ and even if you had gas if  you have one boiler it doesn't solve the problem. 

Went to a community College for diploma, then worked, interned and got hired in her field of study before graduating college with a bachelor's last month with no debts in a growing field with high demand and six figure yearly salary.She bought a primary residence 2020 with 3% down and house hacked, which allowed her to live rent free for 2 years while tenants paid down the loan.

As a new investor, focusing on these can give you a solid foundation to grow your portfolio.I’m primarily focused on the Indianapolis market, where we specialize in new build duplexes that offer strong returns and stable rental income.

@Brent Hindman If you aren't looking to grow the rental portfolio quickly or build it to be large, then I'd probably just get a HELOC on it and keep it as a rental.

For each of the SMA you can see which areas are growing and which areas are declining. 

Yes, we can grow wealth faster through leverage, but it also comes with risk.

Purchase only one bedrooms as people grow out of them fairly quickly.

This means 20-25% for a down payment, and it has to be your money that you're using (verifiably in an account that belongs to you).Though there are programs that lend up to 90/100 to first-time investors, those programs usually don't work in Maine due to the rural nature.

For distressed properties, focus on markets with growing job sectors, good schools, and lower crime rates, as these factors drive rental demand and long-term growth.

Between growing our business into one of the largest STR management companies in South Jersey, building our personal portfolio, and starting a family, my time for forums and reading on platforms like BiggerPockets fell by the wayside.But I’m ready to get back into it—sharing, learning, and connecting with this amazing community.