Investing is not just about increasing numbers; it's about strategically building a future that aligns with your financial goals and lifestyle.How many properties are you closing in your portfolio this year?

(I also had to come to CA for health reasons, so I am not sure if that is an exception)- If I use any of the above, can I use a portion of the money to pay off personal debt?

Its not a set price per unit or building but rather a percentage of income to debt.

For something more robust, tools like Excel or online calculators from financial planning sites might better suit your needs.Your ROI Formula:ROI = (Net Cash Flow ÷ Total Out-of-Pocket Investment) × 100For your scenario:Net Cash Flow = Annual Rental Income - (Mortgage Payment + 401k Loan Payment + Other Expenses)Total Out-of-Pocket Investment = $40,000 cash + $50,000 loan payments over 5 years.I came across a piece in Bloomberg recently discussing creative financing, and they touched on ROI calculations for multiple loans.Personal anecdote: A buddy of mine leveraged a 401k loan for a fourplex.

Absolutely, it's clear you've put thought into your real estate journey, and your aspirations for financial freedom are commendable!

@Feroz Penangwala I’ve slowed some due to financial constraints.

To mitigate this, investors focused on equity typically maintain a CapEx reserve fund or factor in their personal finances to cover these costs, ensuring they don’t face financial strain.

Congrats - are you putting zero debt on the property? 

Your 3% rate likely helps you with cheap debt and without the need to chase high that normal rental rates.

I used a LOC to build a 12 site RV park in a small town, opened it up and 1.5 mnths later, I'm full occupancy and servicing the debt (some of it at 8.75%) & cash flowing.