Quote from @Robert Bishop: Quote from @Jonathan Greene: You are off to a great start, but a post like this is just a bat signal for anyone and everyone to pitch you something because you have saved so much at such a young age.

However, some investors are fine with this strategy if they prefer to minimize their upfront investment and plan to refinance in a few years, especially with potential interest rate cuts from the Fed this year.At the end of the day, it’s all about investing in a growing market, selecting a solid neighborhood, and building a strong team to support you.

In financial fraud detection, the pitch by Norada Capital Management is our equivalent of a “tell”:“So, here’s the deal.

After doing what I felt was enough research—even though the sales pitch was a bit pushy—I decided to move forward.Their pamphlet outlined several guarantees and provided additional details.

Target ReturnsWhile target returns are crucial, these should be discussed only with investors—not brokers or others helping you find deals.Sample Investment CriteriaHere’s an example of well-defined CCC:Location: Primary and secondary cities in the Southeast with population growth.Type & Class: Class C garden-style or walk-up workforce housing with repositioning opportunities.Age: 1980s construction or newer (case-by-case for older).Price: $5M–$12M, requiring $1.5M–$3M in funds.Size: 100+ units.Cap Rates: Market rates.Roof Type: Pitched roofs preferred.Value-Add: Opportunities for improvements or better management.Why This MattersBy creating crystal clear criteria, you:Avoid wasting time on deals that don’t align with your goals.Build trust with brokers and partners by demonstrating a focused investment strategy.Increase your chances of finding deals that meet your financial and operational objectives.I'll be posting each chapter as I go through them so you can follow along from my notes and we can discuss different strategies.

So many people bought with minimal or inaccurate information.

My top priority is having maximum flexibility with what I can invest in within my HSA, second priority is ease of use and convenience of the investing platform, third is minimizing any account, trading, or management fees charged by the HSA provider. 

The $80K from the HELOC used for personal debt won’t affect taxes but must be repaid upon sale if tied to the property.To minimize taxes, keep detailed records of your remodel expenses and selling costs to adjust your taxable gain.

The next thing you'd really want to do is see how you should allocate that $8mil so the amount of disruptions is minimal, some portfolio management basically.   

Purchase Terms: Clearly outline the terms for your brother to purchase the property from you, including the timeline and price.To minimize the financial burden on your HELOC, refinance the property into a traditional mortgage as soon as possible.