Quote from @Arvand Sabetian: Hi Felicia,I'd definitely recommend taking your time to consider your options.Lithonia sees a lot of squatters and trespassers.

I am assuming you know about this, but you may want to consider doing something like a Wally Wrap so that you have an asset to show your next lender prior to your note seasoning.

While I’ve considered cash-out refinancing or HELOCs, the high rates make these options less appealing.I’m debating between using cash to acquire more SFRs or diversifying into mixed-use retail properties.

What should I consider about the purchase price, interest rate, and other terms? 

It comes with guides on how to ride the tubes, a crash course in local customs, places of interest, places to avoid, and holly cow it looks just like what they had in there heads of what a London "flat" would look like, so charming and so "Brit"..... 

Many commercial leases have custom clauses. 

Hiring a property management company with experience in the markets you're considering can be a game-changer.Have you identified which markets you want to invest in?

I’m also open to exploring short-term rentals, private lending, or passive investing in funds—anything that maximizes returns while keeping risk and time commitments manageable.For context, I’d consider leaving my job if this could become a full-time venture that surpasses my current compensation (low-mid six figures).

I considered sound proofing the ceiling of the unit below but I’m reading articles saying that it can be very pricey and it won’t make a major difference.

I have some funds in my 401(k), and I'm considering whether I should cash out some of them to help with the purchase.