.- for example, although SPY lost 28% their value in 202, but as total return, my portfolio is flat because my dividend income is offsetting the market gain losses.- what I am trying to say is that, if you are a "professional fund manager", you could create your set of portfolio that could beat the market , in this situation , the 401k is even less important.

It's hard when lower balance loans like this because the flat fees like processing and underwriting seem high as a percentage of the loan, but the reality is that it's the same amount of effort (generally) to process/UW a larger loan and a smaller balance loan.

If your units have garages you’re better off offering a flat rate charge to install 14-50 receptacles in the garage. 

At least in Wisconsin, we have to present an offer and get a signature from the seller, even if the seller flat-out rejects the offer.

And, many of the RE millionaires I know have made their fortunes by buying essentially flat cash flow properties and then having them fully paid off in 15 years not counting the appreciation.

Fees and Contracts: - What are your management fees and how are they structured (flat fee, percentage of rent)?

I pay my contractor a flat fee each month so my labor costs don’t vary much.

The interest rate on the triplex is 7.5%, but because I took out a construction loan to help offset renovation costs, my lender says the ARV was already baked in, and a refinance would not make sense on that property either.

If looking to only do it for yourself no need to pay out big splits or have desk fees, instead there are a few flat fee per a transaction with no monthly fee style brokerages.

A key thing is what happens if the market stays flat or dips slightly over the next few years.