If I leave this amount in Sch-E, I get taxed at ordinary income tax rate at Federal and State level, which along with my regular W2 income can be substantial.

It's easier for an investor to stay committed to the plan and avoid change orders than it is a regular homeowner.

I can finance regularly with non recourse and have a note of about 75k less the down but plenty of funds just sitting there in the solo doing nothing.

Additionally, in Co-Living the property manager walks the property once per month to deliver toilet paper & cleaning supplies (aka property inspection).

Line Item Fee Collected Rents 10% of All Collected Rents New Tenant Search & Onboarding $500 Business Hour Service Calls $80/hour + Materials Cost + Tax After Hour Service Calls $110/hour + Materials Cost + Tax HVAC Cleaning & InspectionGutter CleaningSpring/Fall Exterior CleanupSeasonal Mowing & Weed TrimmingSeasonal Snow PlowingGeneral Contractor Vendor Cost + 10% Oversight Fee

Consider cleaning, lawn care, snow removal and supplies as well as utilities  in your calculations.  

Clean, modern always works.

Clean water, air, peace and sunshine are nature's remedies and in over-abundance on the Oregon Coast. 

That someone is going to deliver to you, on a silver platter, a property purchase you can simply say "yeah, sure, I'll take that" where you do some paint, carpet, little cleaning and tidying and turn around and clear a $100k? 

If we are right we clean up in 2026.