Make sure you get a formal term sheet to compare apples to apples, don't accept soft quotes. 5.

Over the years they signed up over 200 investors, primarily employees of Facebook/Meta (where Sief used to work) and Apple (where Sabrina used to work).

@Rob K.It is great that you have such a well performing asset building tax-free wealth in your Roth IRA.I think you may be mixing apples and oranges in your analysis of investing with tax-deferred funds. 

Equity: 250k2 Family 3/2 Purchased 2023 475k Currently worth 600k 7.25% Interest Cash Flow -1,100 a month ( I live in one of the these)Equity: 98k ( yes i put 20% down)55k in Stocks mostly apple/vti/qqq 5k Cash (reserved for emergency missed rent payments) in a 4.50% savings accountNo credit card debt no car loansI do have 60k in open credit cards 8k available for no interest for 15 months.I have a 50k Heloc on my 2 family unit at 8% interest 10 year interest only 10 year repaymentSo as a investor what would some of you guys suggest as my next investment move?

Old apple orchard. 

Gee, the apple didn't fall far from that tree, did it?

My #1 piece of advice is to make sure you gather true apples to apples bids, that account for the entire scope of the project.

Just for comparison, I am curious to know the prevailing A-I-O loan interest-rates for a typical borrower with 720+ credit score and respectable LTV.. ?

Arms, IO, fixed are all options presented and quotes can be adjust based on what your goal is such as utilizing buy down points for a lower rate, adjusting the prepay penalty to get the rate up or down.

So in his mind you need to put high end finishes in a duplex versus basic finishes in a detached single family, but then this becomes an apples to oranges comparison.The only real way to know is to have plans drawn up and get actual bids based on those plans.