I love that you have specific goals for 2025 - I believe if we think it, write it, say it, and share it our goals are 10x more likely to come to fruition.Are you able to do option 2 and just house hack a 2-4 unit building and use a renovation loan which allows you to put down 3.5-5%I highly suggest getting to some local chicago meetup groups (we have an in person one on the 17th)...here is BPs list: https://www.biggerpockets.com/forums/521-real-estate-events-...I also have a full list of the chicago meetups that I can share with you too if that'd be helpful.

I am being charged $225 a month in interest on my loan to AHP.

@Ryan Daulton,You don't have to buy a house in SDIRA without a loan; you can easily get a loan, but it must be non-recourse.

This provides you protection and gives the lender a clear exit strategy,.

So you are talking about a loan of $200K.

Some providers allow filing of a handful of forms for free.

Lastly, Rochester, the most affordable of the four, provides great opportunities for investors looking for higher cap rates (8-10%) in multifamily properties.

How can they not get loan with good fundamentals?

I do have two really good mentors / coaches I work with that would be able to provide more input but they do charge for their time.

I got a HELOC loan on the home for $130k.