Thanks for your help For an owner-occupied duplex, you’ll typically need a hybrid policy.

Do you typically reevaluate your current returns based on the net equity you have in your properties?

I gained an interest in Real Estate while looking for a contractor that also worked with an investor that has rent to own home we worked for.

@Jonathan Greene I'm not sure what you mean by "most will not cash flow as an out-of-country investor" as it might suggest that the cash-flow of a given property has something to do with the nationality or residence of the owner but, in any case, you're absolutely correct that, historically, the net rental yields of LTRs in US cash-flow markets like the Mid-West have been typically higher than in the average European market, although that wouldn't be the case for many other US markets like California or New York.

i agree that a new purchase at 75% equity will typically not have significant cash flow and may even be negative when properly allocating for all expenses.Investing to max equity without reserves is risky and you indicate would result in stress.  

PM fees typically run 8-10% of monthly rent for a duplex plus often a leasing fee of 50-100% of one month's rent when placing new tenants.

Typically in many jurisdictions when it comes to this type of niche there are very few who do it and they all work together. 

This allows you to invest in another property while maintaining the asset.Alternatively, a 1031 exchange lets you defer capital gains taxes by reinvesting in higher-yielding or diversified properties. 1031 has limitations.

A tidy profit, plus confidence to tackle the next project solo.On the topic of self-directed IRAs: While they’re fantastic for gaining experience and diversifying into real estate over time, they can feel restrictive if your main goal is scaling quickly.Here’s what I’d focus on:Using Equity Wisely: A HELOC or cash-out refinance could unlock funds to pursue a flip or duplex without touching your 401(k).Partnering Smartly: Your realtor friend sounds like a great resource.

We do not factor in capital gains tax in our final net profit projection Hope that helps!