-Real estate earnings spending plan until the chains of bondage are gone: From Cash Flow: 25% into savings for taxes (will adjust after my 08 tax return), 25% for PITI and personal living expenses, 25% to grow my business, 20% to pay down bad debt (with emphases on the worst cash flow per debt finance instead of highest interest rate), 5% for my wife to spend, From Flipping: 40% set a side for taxes, 20% for business growth, 35% for bad debt reduction, 5% for the wife (got to keep her from charging).

In the business degree I got real estate was emphasized.  

I went to college and got a business degree that emphasized real estate.  

I got a degree in business that emphasized in real estate, and back then (1980) I could get a broker license in Teaxs without being a salesperson first.  

Hopefully, by then your income has returned to pre-Covid levels.Another alternative is to look at hard money who emphasize more the property that you are purchasing than you.

I would also emphasize that you may want to keep your vacation and businesses separate.

I got a college education in business and it emphasized real estate.  

This further emphasizes the importance of being forward thinking and flexible.

Like any market, it's street-by-street and emphasizes the need of having professional help with your first or second, so you can get a hang for the market if you aren't local.

The turnkey company emphasizes that they don't simply do lipstick on a pig which I think is great.