I have my personal emergency fund stored away in a HYSA, and am working to build up a15k property reserve as well, but am conflicted on where to keep that 15k. 

I believe interest is tax-deductible if used for property improvements or purchases, and it gives you quick access to funds while keeping your stock portfolio intact.Private Money Loan: If you have a trusted partner and terms that work well for both parties, this could be an efficient solution without tapping into your other assets.

I can think of a lot of reasons a particular business initiative might fail other than flawed data, and these indexes are more fundamentally part of their core business that seems to have done quite well.

Also Minoan has so many companies to choose from which makes it confusing if you don't know the suppliers well.

RELATIONSHIP WITH YOUR ADVISORS 🤝Good QIs:Work well with your teamRespect professional boundariesCommunicate clearlyStay in their laneRemember: The best QI relationships are professional, not personal!

I know someone who has used it and he seems to be doing fairly well.

Hi Adam,The seller pays the seller commissions and (usually) covers the buyers commissions as well so you shouldn't worry about those fees.The 10% vs 20% I feel like is a personal opinion.

👏Regarding subcontractor contracts, it’s essential to have a well-thought-out document to ensure clarity and protect all parties involved.

You can indefinitely defer the tax and use it to purchase nicer property/properties, as well as not have to recapture any depreciation.

I am doing by the room as well and it has been a struggle to find a pm that will manage it!