Quote from @Melody Bohannon: Prior to my investment, I asked my advisor, Mark Zabilowicz,  multiple times about the holding period and was consistently assured that I could request the return after six months.

My best appreciating properties have appreciated over $10K/month over their hold period. 

@Ethan Borshansky, There was a brief period of time in the early 2000s when this type of "leasehold exchange" as described above was fairly common. 

Here are some key elements to include:Lease Agreements: Ensure your contracts reflect the latest laws, such as notice periods for entry or rules around security deposits.Fair Housing Compliance: Familiarize yourself with federal, state, and local fair housing laws to avoid discriminatory practices.Property Standards: Regularly inspect your properties to ensure they meet safety and habitability standards.Tax Documentation: Keep accurate records to comply with tax reporting requirements.4.

At that time I'll attempt to structure a 10 year term unless I consider a shorter hold period in which I'll negotiate the lowest rate possible to fit a shorter term more closely matching my remaing hold timeline.

Not to mention it will create generational wealth for your family if you keep scaling up with leverage over a 10 year period or so.

While there is no statutory holding period to qualify, it is important that you be able to demonstrate that your intent was to hold. 

I'm <5 years from retiring, so in this time period, I'd like to build a portfolio of turnkey rental properties. 

Because the IRS requires you to have no more than a $50K loan balance on your 401K over a rolling 12 month period I had to wait to do another loan even though I had mine paid back in full from when we took it out in 2023. 

PERIOD.