But if you prefer stability and want to minimize future risk, the conventional loan provides more certainty.Ultimately, the decision depends on your cash flow needs, risk tolerance, and long-term strategy. 

The ideal asset allocation for someone in your financial position depends on various factors, including your age, risk tolerance, retirement goals, and current lifestyle.

To invest in real estate, set clear goals, consider your timeline and risk tolerance, learn about financing, analyze deals using rental property calculators, consider house hacking, network with investors, create a financial plan, stay educated on local market principles, and start small with a single-family rental or duplex.

Regarding the most effective way to scale a real estate portfolio, it really depends on how passive you'd like to be, your chosen market/s and risk tolerance. 

@Felicia WestWhen choosing a down payment for a traditional mortgage, consider factors like risk tolerance, scale, and financial goals.

Different investors might have different tolerance to the 80% risk.

This option comes down to the investor's risk tolerance since you will likely leverage your primary home at a variable rate.3) The BRRRR method since most hard money lenders will allow you to acquire distress payments with as little as 10% down and grant you access to rehab funding via a bridge loan.

Once you have a clear understanding of your goals, it's crucial to assess your risk tolerance and investment horizon for each one.

Make sure you're comfortable with these and have appropriate insurance coverage.Ultimately, the "best" location depends on your specific goals, risk tolerance, and how hands-on you want to be.

Most residential developers specialize in one of three areas: - Entitlements & Permitting (Paper Lots) - Horizontal Development (Finished Lots) - Vertical Development (Finished Homes)Some developers focus on multiple, depending on the market, their risk tolerance, and other factors.Historically, we've focused on entitlements and permitting, with some horizontal development.