@Adam Lawrence I would look at the value of the land and shoot for 70 to 80 percent of that.

What I'm leading into more of this is, for people that talk on the podcasts about having a million dollar net worth, and champion the BRRRR strategy and staying leveraged....so essentially they have over 5 million in assets, but 4 million in liabilities, roughly, if they're staying leveraged?

Thanks @Jack Butala and @Jason Lawrence  I look forward to connecting. and learning from the members of the BiggerPockets community.

But I was just discussing with @Brendan Lawrence just last week, that now with a certain amount of wealth, maybe it is time to shift towards taking on some more risk in the portfolio after getting over a hump of a getting to a net worth with a certain comfort level. 

@Lawrence Bowden .

@Lawrence Henkel III Would that be the building department?

I was particularly surprised to learn Fundrise, which champions RE investment opportunities for unaccredited investors, has set up a QOF with that restriction.

@Dave Lawrence - I feel like I had talked to penfed back in 2015 and from what remember they dont do HELOCs on a rental condo which is what I have in SF so thats why I couldnt go with them but I could be wrongThanks for the reminder on penfed.

@Lawrence Snipe I don’t think Redfin is active in Savannah.

@Mohsin Mazhar If you're looking for cash flow or have your entire housing expense paid in a house hack, the only areas north of Boston that really have a chance are in Lowell, Lawrence, and maybe Lynn; Unless you can find a rare deal requiring a ton of rehab (and another investor doesn't snatch it up from you).