Go to Omaha and Sioux city tomorrow for inspections and client meets. 3. close new loan with my bank unsecured ( those babys can be tough to get).4. get my mind ready for 9 grandkids at the house this is the toughest one :)  Patience 5. firm up goals for 25 solidify my new clients that I have gotten in Q 4 24.

Quote from @Max Fefer: Hi Paul,I'm working on an SB-9 lot split project at my house in Richmond (East Bay).

@Justin Jefferson-start with a house hack-read up on how to house hack-call a lender and ask about owner occupant loans for small multifamily

Every single surface in the house was redone/replaced.

So it was managing a risk rather than for profit.I’ll defer to others on mortgage paydown versus investing, other than to say that you may want to consider how far towards your next house / investment property deposit you are with the money instead of recast / investing.James 

I’ve spent years studying everything to do with investing in houses and then this opportunity to buy land came up and I just jumped.

Have you thought about doing a house hack?

I would try to do a house hack if you can in your area

If I buy a house for $400k, and the market drops and the house is now worth $300k, I am under water.

As I am seeing 1.2 or 1.4 million 2 family house and not sure if its even going to cover the mortgage or not with 25% done.