Remember when starting out investing is financially taxing and not a way to supplement your income it will be a draw on your income.

If I were to land a deal between 4-8 units, in my area I could supplement half to all of my income based on the rental market in my area.

This is post fees and often does not show refinances or supplemental loan opportunities after renovations are complete typically end of year two. 

I want to add something new to supplement direct mail.

I will definitely qualify on points.BUT, on the instructions, it says the following:"If You Are Using Supplement B1/B2(Equivalent Experience)You must accumulate a minimum of 5250 points* to qualify for abroker’s license based on equivalent experience in general realestate business.

However, as we all know... payroll taxes hurt.This year I finally have been able to make a more substancial rental income due to a higher number of properties on my portfolio.The question is:Can I lower my earned income to pay less payroll taxes (myself and the company) and use the rental income to "supplement" my overall income?

My goal therefore is to supplement my portfolio with real estate, starting with a house hack in my home state and gradually growing as I become a more seasoned investor.I have been reading BP for several months and have obviously listened to quite a few of the podcasts.

Assuming your leases are up or M2M there is absolutely no reason to supplement any tenants rent.

I am paying 20% down so I am planning on potentially refinancing or using some sort of LOC to use as down payment on more properties in the next 1-2 years to grow my portfolio and supplement my W-2 income.

@Kyle R. there are better loan terms out there for apartments...25-30 year amortization, lower interest rates, non-recourse, assumable, supplement loan features, interest only periods, etc.Good luck and keep us posted.