@Joy McQuearyRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

In my experience, most people are better off just trying to sell their portfolio and buy a larger asset.

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.

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?

We're all talking about the creative financing, asset-based lendings of the world right? 

If I am correct (sorry if I have that wrong), there isn't a big win in it for anyone, even an underperforming asset, to help someone get some experience on their listing.

Unfortunately, STRs as single family homes are still considered residential assets.

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

I changed my strategy from 2 years ago of acquiring more doors and "cash flow" to now looking at the asset if I continue to buy. 

And Bruno ( the attorney was like an uncle to me) And he would always tell me the way to financial success in RE is to learn the courthouse..