Some of the cash we saved HH over 5 years is fuel for our next rental purchase. 4-6 unit in Bergen county (maybe in Passaic county but class B is a must), $1m to $1.5m purchase price.

It could impact your home equity and financial security.For a safer and more specialized alternative, consider a Fix & Flip loan. 

If the rental income doesn’t sufficiently cover the debt payments by their standards, they’ll limit the loan amount, even if the property is worth more.You could try a few alternatives:•Look for lenders who specialize in commercial real estate and have more flexible DSCR requirements.

It was a great experience that helped fuel my passion for real estate investing.Recently, I took my real estate journey a step further by earning my broker license!

I have not done one in ages, but they are a great alternative when it comes to liquidate SFRs and you have an open time frame.

Alternative rent models (STR, MTR, rent by room, etc.) do not necessarily do better and are more work.  

Opportunity Zone Tax Credits helped fuel more investments in rural and under-served markets where capital is needed, but not much is available.

An alternative could be putting all your properties under one LLC to start, then reassessing as your portfolio grows.

Alternatively you may decide not to address the capex but be prepared to deal with high frequency maintenance requests with duct tape repairs. 

The other alternative is to raise capital and be more of a fee developer, at least at the start.