It’s great that you’re being proactive, especially as you scale up your real estate portfolio.You're right in noticing that higher W-2 income creates some barriers when it comes to offsetting taxes through real estate, especially due to passive activity loss limitations.

So if your rate did go up it would limit you on being able to shop.

It's worth mentioning I also require tenants to have their own renters insurance policy with at least 100k minimum liability.

Hi Marc - Aircover offers some protection for damages caused by guests, but it’s limited and doesn’t replace having dedicated STR insurance.

This brings a much greater liability into play, and in my opinion provides greater balance.Is this offering the best “deal” for a passive investors?  

Population growth creates increased demand for housing, pushing rents higher.Rapid and Sustained Appreciation: In cities with abundant, low-cost land, new construction is often preferred over existing properties, limiting appreciation potential.

@Devon Shives,Your situation has a lot of potential, but here’s a thought: A cash-out refi could work if you’re confident you can use the $30-35k effectively for your next property, but the higher rate and payment might indeed limit your borrowing power for another mortgage.Consider these alternatives:1.

Im not expert but Ive took out a heloc and dragged on going on my advise and it suckedHi @Mario Morales, There are 2 things I would pay attention to in the scenario you describe. (1) Most cash out loans are limited to 75% -80% LTV meaning you wouldn't be able to get all of your cash back out. (2) The interest rates I see in the market are closer than what you've listed.

Quote from @Victor Yang: If I gift a house, what amount will go towards the lifetime gift limit, the amount i purchased the house for, or the current FMV?

What about my search is producing such limited information?