@Timothy Frazier Yes, the only reason to use HML as a down payment is if the property is "mostly turnkey" AND you don't have the funds to renovate AND you have strong CMA comps from a real estate agent that supports that the fact that you are buying a property that is under valued AND your renovations would push that so that you could refinance.

Northern liberties is pushing west with alot of the new construction happening west of 5th St along with Amazon Grocery coming in soon by 6th & SG. 

You have a head full of ideas, and that is a good thing.

@Grace Tapfuma Grace, love the ambition—setting a goal like a triplex by the end of the year means you're already ahead of most people who just ‘think’ about getting into real estate.

Another important note  on this is one reason in Oregon its such a big deal with lenders.. is that a properly filed Mechancis lien as your probably aware is a SUPER lien and jumps ahead of all of other liens. 

Ask the lender to see if this is something that they require to plan ahead 

In a head to head comparison of pure after-tax growth, MBDR wins as all of the earnings on contributions are tax free whereas earnings in a taxable account are subject to capital gains upon sale.

As long as all parties are aware of your intentions, go ahead and get it done. 

Some kept running and their momentum is pushing them forward.

I have gone through the entire course and I will tell you to go ahead and give it a shot.