. - $6k/ month is our freedom number from a W2- Buy & Hold MFH is our plan (turnkey with PM in place)- This quad was built in 2024 and we're able to secure a 3.75% 10 year rateHow's this deal looking or would it make more sense to go another route?

I have, in some cases, seen basement space totally ignored in valuation.

At $400/month/cabin, our total annual assessment income is $48,000. 

The crypto can be considered as EMD or down payment, the rest of the transaction will happen just as if you were running a traditional transaction.If a seller is completely against the idea of receiving crypto, you can always use a service like Bitpay to convert the cryptocurrency to cash.Last but not least, I always ask clients... why sell your crypto asset when you use it to secure a loan?

Use a payment processor to pay the original note and any wrap if there is a 2nd position secondary note that pays the seller the difference between their current mortgage and the total sale value. 

I got the Discover It Secured card in high school and used that to build up my credit. 

I’ve had to widen my search radius to smaller suburbs or target properties needing light cosmetic work to make the numbers work.Value-add opportunities: Adding amenities tenants love, like finished basements or upgraded kitchens, seems to justify rent premiums in this market.Navigating the competition:Be creative with financing: Seller financing or partnering with other investors has been helpful to secure deals when conventional offers didn’t cut it.Work with local agents and wholesalers: They often have their finger on the pulse of off-market opportunities, which is critical in a hot market.For those new to suburban Chicago investing, I’d say the key is finding the “sweet spot” neighborhoods—ones on the rise but not yet maxed out in price.

All are perfectly functional now, but could pull higher rent with replacing the flooring, and updating the kitchen.My current financing setup for this deal would be $235,000 from the HELOC I already have secured.

What is the security on the above?

If I were in your and/or your mother-in-laws shoes, I would go to a local bank and use the free and clear house to secure a $150K+ line of credit.