I think MBA makes more sense in CRE, but I bet they're not hiring right now due to the crisis that we have right now.The sector is so minuscule, so I'd guess the MBA is more useful if used in different sectors, like management consulting, for example.

Hey Zachary I think it's essential to look beyond mere interest rate differentials and focus on strategic benefits, particularly if scaling your portfolio is a long term goal.Key considerations:Pre-payment penalties: Determine if the HELOC has any penalties, impacting your flexibility payoff.Scaling strategy: Evaluate the scalability and limitations of each financing option.Advantage of HML: Allows scaling without hard credit pulls, and no pre-payment penalties.Holding costs: Factor in not just interest rate differences but also ancillary expenses as well as overall goals of scaling.Example scenario:Property purchase for $120,000 with $30,000 renovation.

If you have time on your side and flexibility in your schedule I would suggest finding a local firm that you can intern or work for.

This deal exemplifies our commitment to strategic investments and flexibility.

The one I used was the University of Michigan Credit Union.The loan to value is lower on investment property but if you have a strong equity position it makes sense.Then, the blended rate between your HELOC and primary loan is still better than the rate on a cash out refinance.Plus, the HELOC is flexible and can be used over and over if you pay it down and you have no payments until you use it.Dry powder waiting for the right opportunity.To Your Success!

I suspect at 5 million cash investing in long term municipality bonds at 3.5% yield (but tax free) which gives 175k/yr post tax is probably your best bet, but it depends on what lifestyle you want.

Your best bet to find a BRRR deal (or even a flip deal) is to connect with off market resources (wholesalers, agents that specialize in this space), or to cut these people out and source deals yourself.

Individuals and small groups of investors can be more flexible.

Sucks but I don’t have the time with my job to manage on my own)I’m thinking to leverage for growth as I’m 27 and may as well take advantage of owner occupancy while I still have the flexibility to move often before a family comes along (if it does haha).

This experience taught us the value of flexibility and meeting unique buyer needs, which can significantly enhance property appeal and sales outcomes.