Where are you planning to invest?

The properties  rent is more under market than the others as well but I raised their rent a year ago and I plan on raising it about three percent again this year according to state law. 

I've started flipping houses in the HRM (currently flipping a house in Fairview that was purchased off market) and plan to focus on flipping to generate cash flow for the next while. 

The warranty company is the money making business.

This list includes a few:Lucid Motors with 2,200 jobsSilicon Valley Bank with 300 jobsRaytheon Missile Systems with 1,000 jobs in Southern ArizonaMicrosoft Datacenters with 1,100 direct and indirect jobsCarMax with 430 jobsInfosys with more than 1,000 jobsAnd Hopebridge Therapy Centers with 650 jobsOn behalf of the Arizona investing community, I invite you to plan a visit here and see what's going on for yourself!

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.

Don’t forget to plan for the future, maintain a healthy work-life balance, and celebrate small wins along the way—it’s all part of the journey!

Quote from @Matthew Samson: We plan to turn our current house hack into a long term rental.

I don't plan on selling; I'm mainly just curious how people make $ in these markets when rental rates are on the decline since COVID.

The plan for me is to breathe new life into old structures and develop useful supporting infrastructure to enhance the main focus of the repurposed campus.Anybody working in the Milwaukee area that might be interested in partnering or at least connecting with Stormi Jellison (Stormi Maya), please reach out to her.