Most lenders do not service their own loans and reserve the right in the future to sell it- even credit unions and 99.9% of banks. 

The cash you have on hand in liquid reserves allows you to focus on properties that "Are Not" turn key and could use a little TLC or renovation. 

They just let me know I wont be receiving rent and the reserve accounts have been depleted. 

Prioritize properties with strong rental potential and set aside reserves to handle unexpected costs.Finally, familiarize yourself with tenant laws in your target market, especially in Portland, and consult a real estate-savvy CPA for tax efficiency and legal considerations.

Hotel reservations at the 2025 venue, Caesars Palace, are already available to book using this link https://book.passkey.com/event/50916112/owner/4929/home and BPCON2025 tickets will be live soon. 

If for some reason I need to return security deposit at a different time I'll either take the 3mo interest from their security deposit, or I'll do a trade from my reserves. 

At lease renewal increase the rent $50 per month and then the same the following years until it is at market rate and more than likely the tenant will leave on their own and you will have still gotten the rent for that entire time until they moved out and built up your reserves for that property.

i agree that a new purchase at 75% equity will typically not have significant cash flow and may even be negative when properly allocating for all expenses.Investing to max equity without reserves is risky and you indicate would result in stress.  

House hacking a 4 plex is a good plan, and you may even consider getting normal financing with 20% down - just have a little more patience to save more to have adequate reserves.

So far, I’ve only invested in stocks and the idea of investing in real estate seems somewhat risky to me.Kyle, A couple of years ago, the Federal Reserve Bank of San Francisco released a groundbreaking research paper called "The Rate of Return on Everything, 1870-2015".