I have one myself that I use mainly as an emergency fund and occasionally to take advantage of an opportunity that pops up.

These mortgage bonds trade with a spread, or higher amount of rate/return needed, versus the Treasury bonds to account for the higher risks.

We will put that $95,000 into the emergency fund and continue to save money until our next purchase.

You know it’s funny back when I was flipping in dc pre covid, I was always amazed at the prices and in the back of my head was like I cannot believe people are paying 800-1 million to be in a tiny rowhome in a frankly pretty rough area, now of course everyone who didn’t grow up here throught it was just was the way it was, but growing up here I tried to explain to everyone just how bizzare it was that the city was so much more than then the burbs, (from 06 on there were entire areas that went up fourfold, where as the burbs were kind of flat for a decade) I won’t say I saw dc’s crash coming but it seemed so unnatural to me having grown up in the area, I also don’t think we’ve seen close to the bottom as far as urban real estate, as you said you can still trade a house in the city for one in the burbs but really given how urban living is + remote works, cities should be significantly less than an equivalent burb.

Plan for Economic Downturns- Emergency Fund: Maintain a cash reserve to cover unexpected expenses and vacancies.- Diversification: Diversify your investments to reduce risk, including different geographic locations and property types.Your excellent credit score, lack of personal debt, and existing portfolio put you in a strong position to expand.

The former is an investor, the latter is someone trading.

While trades like electric and plumbing are licensed here, GC are not licensed by the state. 

You could trade all of your working hours and get a deal after 2, 3, or 4 months.

Max price point would be around $350k but the lower the better.Any other emerging markets / cities in the US that would be good to get into?

I just received a cp2000 stating I owe as well from Robinhood trading.