Look into property values, vacancy rates, and the overall rental market in the area.Real estate can be a powerful way to build wealth, but it’s essential to start with the right tools and knowledge.

It is 'lost' when investing within a retirement account.2) If the extra rate of return is about 1%-2% it may make sense given all the extra worth involved such as setting up and paying for the SDIRA account and then potentially having to file certain tax forms if your income is subject to Unrelated Business Taxable Income.

It would be a much better rate, it would be a fixed rate (not variable), and it would amortize over 30 years (no balloon payment).

To improve cash flow and manage your current situation, here are some potential strategies:Refinance for Cash Flow: Refinance your properties into long-term fixed-rate loans to reduce monthly payments and increase cash flow.

Felt like I was speaking with a virtual assistant backed by AI.He estimated my re-roof would be half the size at double the rate quotes I got from everybody else... truly amateur hour for somebody that claimed to have done hundreds of these.I also was never able to find more than 5 property records tied to his name or to related LLCs.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

@Stephen Hood your idea is solid and shows good potential, but here are a few things to consider:Private Lender Terms: Ensure the lender agrees to the 1% origination fee and $2K monthly payments—some may require a higher interest rate or balloon payment at the end.Timeline for Sale: Factor in potential delays with selling your current property or completing renovations on the new one, as these could impact your refinance timeline.Refinance Feasibility: Confirm with lenders that refinancing at $500K is realistic, especially after recent rate increases and appraisal expectations.Exit Plan: Have a backup plan in case the market shifts or repairs take longer than expected, such as extending the private loan or bridging with a HELOC.If you can lock in favorable private loan terms and stay realistic about costs and timelines, this could work well.

There's a good reason that the attrition rate is 85% over two years. 

The IRS is the other way around.Your bonus depreciation, assuming you're eligible for it, is not pro-rated.

A rising tide raises all ships.