Did you use a local bank that agreed to a Seller Carry in second position?

I've seen the wholesaler deals that get sent out, they are barely under market value and carry more risk.

My loan was a VA loan no down payment, and I carried the whole mortgage a few months in the first year while figuring out what to do with the rentals.

It goes both ways....let's carry on talking about RE investing and keep the personal conversations elsewhere.

A single property is simpler to manage, carries lower financial risk, and offers streamlined tax reporting but may generate taxable income sooner.

You will be forced to solve problems and get scrappy which will carry through all the next phases.Then, I would see if I could possibly start with an addition, garage build or other small and simple structure for your first ground up -- I started with a 250 sqft master suite addition.

These expenses can create a paper loss, which may offset other passive income or carry forward to future years.If you qualify for Real Estate Professional Status (REPS) or actively manage a Short-Term Rental (STR), the losses can be applied against your active W-2 or business income, reducing your overall tax liability.

That strength i carry that lets me stand alone is beneficial but also as I left that crowd i was never able for unknown reasons to reconnect to a better class of people or even network.

We all do the same thing, we just call ourselves different names and carry similar but different licenses:- CPA - Certified Public Accountant- EA - Enrolled Agent - Accountant - Tax advisor - Tax strategist- Tax consultant - Tax plannerIt all means basically the same.

PS:  A lot of the "no debt, ever" people feel a moral sense of superiority to those that carry debt.