Tardus teaches a framework for working with short term leverage in a risk adjusted way, so that you can accelerate your cashflow base to most likely later use long-term leverage in a risk-adjusted way.Hope that helps!

Robin, I did not offer an easy answer but I hope I provided a framework for comparing the two locations.

I am a firm believer that confidence comes from competence and organization. right now i need the later to fall into place as a framework to build competence around

Not me.I have a framework.That framework "tries to" balance out a comfortable life vs. being just a toiling slave to a goal.But I will say this, I do enjoy most everything real estate.For instance if I'm sitting in the hot tub listning to music (or posting in here) and a call comes through saying a roof blew off, some people would consider that a huge hassle.But I don't look at it that way.

Based on the financing you described, it sounds like it's going to be owner occupied (by you) for the first few years, so I don't have a good framework to evaluate that as an investment since it's not, really, at least until you move out and rent it.

The CAPM provides the famous framework for that.Glad you added the comment on "effort' because I've regularly seen where a little bit of effort can yield outsized returns, well beyond what CAPM would indicate.

Quote from @Argel Algura: Quote from @Axel Meierhoefer: @Argel Algura congratulations on joining Bigger Pockets and being open about your situation.Success in investing in real estate starts with the framework, or call it "vision" you create for your future.

@Margot BaldwinThey may be at a stage of their business where they are only working with larger/more established investors/businesses.You can still get some value even if you don't use them for the tax return.They can provide you the framework of additional items that may be deductible that you didn't think about before.Amanda Han, a partner at Keystone, wrote a tax book for real estate investors a couple years ago. 

Seems to me that too many "investors" don't have a framework from which to work.

Not sure if it’s a server side error with their framework or just me