My brother in law told me a few years ago that I was the luckiest sob he had ever known but it took me 33 years of living below my means and working hard to buy enough rentals to retire with the same standard of living that we were used to.

Using anything less than 12 years is only using the near best appreciation years ever.- using year 2000 includes one significant property value decline. - neighborhoodscout includes the year 2000 in their free infoI would use 3% (it has 2.9% since 2022) long term appreciation.  

Hope everyone is having a wonderful holiday season!
Unfortunately, the end of 2024 has brought a string of financial challenges for my family, and I’m feeling the pressure.
Two weeks ago, I was laid off from my job....

Having the books properly set up for the first time ever will help me get all the deductions I’m entitled to.

If the area is not growing, then appreciation will be flat.

There's more low-hanging fruit here than I'll ever need, but hitting the ground running to pick it before land prices start reflecting the new higher values requires more capital than I have and I don't do debt.There are two main companies in the US who do the work of creating and selling eco-mitigation credits on a joint venture basis, separated by the Mississippi river.

Have you ever built before? 

Lot easier ways to grow wealth.  3.  

Have you ever taken out a loan to afford the down payment for a mortgage and do you know of any lenders that offer that?

should a private lender ever ask for a 1% insurance paymentBefore completing a loan?