Quote from @Jonathan Chan: Hi All,I first joined biggerpockets back in 2020 when I decided to get into real estate.

Real estate is still a people business.

If you want crappy real estate advice from and idiot call Dave Ramsey and tell him he won't ask any questions and tell you to sell your rental and move into your mothers basement.   

To thrive in real estate investing, you must maintain a firm grip on your finances.

Too many rentals, too much deferred maintenance, no real budgets, not enough money in reserves.You can still get CapEx in condos....these are called "special assessments" .

Real turn-off.

I got into real estate through an organic relationship, nor would I be where I'm at today if it wasn't for those relationships. 

This consideration may be worth it in terms of approaching local banks or credit unions with an understanding of real estate investment because they are generally flexible in offering loans compared to national lenders.

First off, congrats on being in a position to scale your real estate portfolio.

Knowing how much you still owe will help figure out the real cost of losing that low rate.Also, when it comes to borrowing the additional $170K, it’s key to know what kind of returns you’re expecting to make on that money.