Maybe assume 1 unit out of 5 has a $5,000 unexpected bill every 3 years?)

There are hardship withdrawal provisions and others that can be exercised if you meet the requirements. 3) If you have access to a workplace plan, like a 401k, with a Roth component, you can consider that as well. 4) If you setup your Roth with a Self-Directed IRA custodian, they can allow you to invest in assets like real estate, private lending, private equity and other alternative assets. 

Also, be prepared for potential delays and unexpected costs, especially with long-distance renovations.

Hey @Marc Shin, so I am a fan of separate components usually, but in this case an all in one is the better choice.We have Ziply DSL at only 12mb as that is the max for our rural lake house and it has been no issues.

A 1031 exchanged property can include 1245 components that are considered part of the "real property" for 1031 purposes if they're affixed to the building (and also up to 15% of the value can be personal property under an IRS rule, such as appliances). 

I don’t immediately think it was due to a medical issue or some unexpected personal circumstance, even though I have been there; it’s usually more along the lines of, 'They must’ve found something unsatisfactory with the property.'

It is probably the most critical component of investing in multifamily.

Going forward, the tax escrow component of your mortgage payment increased by $600. $300 is to escrow for the new annual tax bill, and another $300 is to repay the $3,600 shortage that the servicer paid on your behalf previously.

Also, keep in mind potential market fluctuations—having reserves can help you navigate unexpected challenges.

It would be wise to have at least three months of rent saved up at all times to cover the unexpected.