To navigate this, consider options like keeping your current home as your primary residence while house hacking a multi-unit property, using the HELOC funds strategically before moving, or exploring alternatives like a bridge loan or cash-out refinance.

For something more robust, tools like Excel or online calculators from financial planning sites might better suit your needs.Your ROI Formula:ROI = (Net Cash Flow ÷ Total Out-of-Pocket Investment) × 100For your scenario:Net Cash Flow = Annual Rental Income - (Mortgage Payment + 401k Loan Payment + Other Expenses)Total Out-of-Pocket Investment = $40,000 cash + $50,000 loan payments over 5 years.I came across a piece in Bloomberg recently discussing creative financing, and they touched on ROI calculations for multiple loans.Personal anecdote: A buddy of mine leveraged a 401k loan for a fourplex.

You want an accountant who can help you strategize and who is responsive when you want to know the consequences of the financial decisions you are making throughout the year.Good luck.

If you’d been holding around $620K from a 2019 sale and directed it toward a few properties like that.. especially if you leveraged financing.. you might’ve grown your portfolio’s total value well beyond what many Los Angeles holdings would have delivered over the same period.Then again, L.A. still has that unique mix of robust demand and limited supply.. from what I’ve heard, you can see impressive long-term gains there if you’re comfortble navigating tenant protections.

To achieve financial freedom, you'll need to scale to a portfolio large enough to spread risks across multiple properties while also generating enough surplus cash flow to cover both personal and property-related expenses.Many experienced investors achieve this by:-Strategically acquiring properties in high-cash-flow markets.

Prior to the GFC I had a pretty robust HML company with 20 plus employees doing 60 HML a month through out the mid west Rust belt and deep south by 2010 It was over like 95% of all HML we all got our butts handed to us..

Are there any realtors in HI that can speak to how robust the Honolulu market is?

Investing is not just about increasing numbers; it's about strategically building a future that aligns with your financial goals and lifestyle.How many properties are you closing in your portfolio this year?

I intend to pursue only opportunities that are strategically sound.

From what I read in Bloomberg recently, investors gravitate towards platforms they trust on a personal level.I’ve found that blending personal touches with strategic growth means knowing your audience and what makes them tick.