Unless you have an immediate need for the cash I'd wait until I could pull out the extra $40k. 

This^^^^^Unless he is loaded with cash reserves and can take a loan out based on his liquid reserves.

I suggest you buy fewer but better properties for better cash flow and appreciation. 

This does not align with buying most buildings in cash.Once you progress in your investing efforts you may come across more UHNW individuals, family offices and institutions who would take the lower return for limiting risk (all cash deal).

Well that's a whole lot of incentive to cash-out of BTC and into NVDA. 

Cash flow great.  

When does the cash flow start? 

They only accept cash.

You are correct that putting 3.5% down on a fourplex likely won't cash flow after one year.

However, co-living allows you to acquire properties with as little as 0%-5% down, drastically reducing the amount of cash required.Instead of needing $100K+ to buy a rental, a co-living strategy lets you start with a fraction of the cost while achieving higher returns.3.