I was looking at DSCR loans because they don't require extensive checks like the bank loans and they "only" look at the income generated from the property to qualify for the loan.

If you're looking for ways to accelerate, consider these options:Seller Financing – Some sellers may finance a portion of the purchase price, reducing your need for a large down payment.DSCR Loans – These loans focus on property cash flow rather than personal income, often requiring only 15% down.Private Money Lenders – If you can find a PML willing to work with you, you may be able to put less down.Partnerships – If you’re open to splitting profits, you could bring in a partner who funds the down payment.Since you’re okay with the slower path, just keep stacking cash, but these might be worth exploring to move faster!

According to Warren Buffet, Fannie and Freddie really failed because of high-leverage risk-taking in the fixed income arbitrage space, saying:“The portfolios are what really got them into the trouble…the managements of Freddie and Fannie tried to juice up the earnings, basically, because the insurance guaranteed that they were given that mortgage.

Do you sell any bank foreclosures in Comal or Guadalupe county Texas?

The only thing that makes these properties turn key is the fact they are move-in ready for a lower income tenant with low expectations.

Ultimate goal is good cash flow to enhance retirement income.

Focus on high-demand rental areas (suburbs for multifamily, tourist/business hubs for STRs) and consider scaling with the BRRRR method to build passive income.

Financial independence requires more than just replacing your current income.

You mentioned buying a MTR condo.Is your income below $150,000 or are you able to claim real estate professional status?

Hey @Scott Trench unfortunately real estate losses (active or passive) will not offset portfolio income from stock sale gains.