Equity is your frozen cash that you access as it grows to build your portfolio 

parts of Cape Coral though are seeing easily 10 to 20% price corrections from the rampant speculation from landlords building new homes to rent.

I currently have a pre-tax retirement account with employer match and a Roth IRA invested in the stock market.

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

By paying a commission and taxes, you get more money from the property by doing a Refi. 

You have to find a zip code that has a prevalence of multifamily and a pathway to build multifamily.

Are you planning to build, hold, or flip the land?

A generic space might attract one-time guests, but a strategically designed rental tailored to your ideal guest type builds loyalty, commands higher rates, and keeps your calendar booked.But it’s not just about aesthetics—choosing the right amenities can significantly boost your ROI, but they’re not one-size-fits-all.

I then did some wholesaling, land flipping, did some more buying and am now just doing lending to build up active income.

Mostly because the tax incentives are *insanely* good.