I don't know any builders here, so I am wondering a few things: - Does anyone have a builder that would be interested in doing a single infill project (there is another infill lot going up on the street, might try and connect with them) - I am in between paying for it myself with cash during construction (maybe the home will cost 150-200k to build?)

Do I wait to get more cash?

That’s the lowest hanging fruit in my opinion. leverage the lenders money and have great cash on cash returns… move out after a year and then repeat the process.

Ultimate goal is good cash flow to enhance retirement income.

Like most places with growth though, it's hard to find properties to cash flow given interest rates etc. 

Purchase price: $184,000 Cash invested: $92,000 This is an international investment in Split, Croatia NOT Santa Barbara, California.

This bodes well for long-term equity growth.Rising Rents: The uptick in rental prices shows a strong demand for rental properties and could lead to better cash flow for investors.Economic Strength: Reading has a diverse economy, with key sectors like manufacturing, healthcare, and education providing stability.Rental Demand: Low vacancy rates signal that people are actively renting in the area, which is essential for scalability.Future Development: Any upcoming infrastructure projects or new businesses could further boost the market.With these positive trends, it seems like Reading could be a scalable rental market.

Awesome job with getting a cash flowing property!

so again in my initial example: Starting with $3000 in debt/$10000 in income(30%DTI)...adding a property that PITIs $4000 and gross incomes(after 75%) $6000...you are telling me that you add the difference only to income, or debt if its not cash flowing?

I wouldn't consider buying real estate if I didn't have $160K cash in hand.