Calculate the blended rate, your decision as to what to do (2nd or 1st lien refi) is all in the math!

At Rent to Retirement, we’ve been helping investors navigate these decisions for over a decade.If you have questions about market analysis or getting started, feel free to reach out.

Buying a portfolio might lead you to making decisions you don't have the experience and foresight to make well.

i think this is a decision only you can make. im in a similar boat (house hacking my primary) and considering renting the whole thing out to get a solo home for myself. certainly a lot of appeal in that, given how much work goes into the house hack. but whether or not the numbers on cash flow align is up to you. personally i dont think $150 (seems like about 12%?)

A turnover means repairs, painting, cleaning, marketing, vacancy time, and lost rent, so a small discount is often a better financial decision than churning tenants every year.There’s a lot more to consider, but these are some key lessons I’ve learned.

Now the decision between option 2 or 3 depends on a few variables.

There are still other factors to analyze before making that decision.

Thus, my main goal joining this forum is to try to gain confidence in the decision to get into real estate investment and better understand the risks that I may not be considering due to my lack of experience in the field.

I'm looking to make smart decisions for 2025, and this seems like a great place to start.

Hope this helps get you to your best decision!