How much has it settled and will it continue to settle?

And none of them think differently so they continue to say this in these threads.10k is fine, today.

As a syndicator, I can say that raising capital has become much more challenging since 2022, so many deals have closed in the last two (2) years that aren't fully funded and that are continuing to raise capital after the closing.There's likely truth to the money being raised going towards reserves, which is a very important part of any syndication deal (running out of money is one of the big reasons why syndication deals don't go well). 

Quote from @Jackson Ebersole: Hi Piper,It's always smart to flip properties in-state, and I'd like to share some updated insights on why this approach is beneficial, especially in the New Jersey area.Lenders typically feel more comfortable with in-state flips because:You can manage the rehab more easilyYou have better knowledge of local real estate trends and valuesYou can respond quickly to issues or make decisions fasterThere's a lower risk of fraud or being taken advantage of by distant partnersI can help you with recommendations for the New Jersey market:North Bergen: Continues to show strong potential, with average profits now around $150,000 per flip and a gross ROI of 85%.Willingboro: While specific flip numbers aren't available, the market remains active with a gross ROI now averaging around 130%.Gloucester City: Still a top performer, with gross ROI hovering around 180-190%, though still on smaller profit margins.Irvington: Home values have continued to rise, with a 20% increase over the past two years.East Orange: Has seen steady growth, with home values up by about 16% since 2022.Paterson: Experienced a 14% increase in home values over the last two years.Additionally, Jersey City and Newark have emerged as promising markets for flips, with strong appreciation rates and growing demand.

Seeking some advice and tips on how to continue in the right direction, looking to continue buying real estate in Baltimore I just recently moved into a newly renovated single family row home but already thinking about the next opportunity out there.

Plus, interest payments continue to be made on that bailout 15 years later. ;-)Profligate spending ( undisciplined, un-necessary debt) has risen by an additional $22,091,000,000,000 ($22.9 trillion) for 76,636,000 new houses at $300,000 each and everybody would have a new house.

If you are a "legacy" subscription host, you can continue adding properties under the subscription model.  

As you continue to learn and grow in this new venture, know that there are many who can relate to your challenges and aspirations.

If you continue the deferral until death then that tax reduction does happen. 

I just bought my first house hack and looking to continue to add more duplexes with taking a HELOC and doing BRRRR's.