But if those payments feel like dead weight, Dave Ramsey’s “debt-free” mindset could be worth revisiting.Here’s a quick story to illustrate.

I’ve seen folks pivot their plans quickly if they discover one city has friendier permit processes than another.And yeah, the Phoenix area has some really down to earth investor meetups, from what I’ve heard, that can help you level up fast.What aspect of the business are you most excited to tackle first.. managing construction, or scouting out those under the radar leads?

Buffalo is a great place to invest, but understanding that neighborhoods change extremely quickly is paramount to your success.

Since it’s a new build, I was able to negotiate some great perks, like a 5.875% interest rate, no closing costs, a fridge, blinds, and even a backyard firepit.Pros:Good school districtLow interest rateMinimal CapEx and repairs (because it’s a new build)Low insuranceHigh-quality tenants (due to the school district and being a new build)Cons:Lots of new builds in the area, which could drive down prices and increase vacanciesThe Numbers:Price: $290KInterest Rate: 5.875%Down Payment: 25%Monthly Mortgage + Insurance + Taxes + HOA: $1,480 (I got really low insurance since it’s a new build and Alabama’s property taxes are low)Property Management: 10%Rent: $1,800 (this is under market because I wanted to rent it quickly—most units in the area were sitting vacant for 100+ days.

Some get better, some worse.The answer isn't a quick "go here" an invest.

Quickly. 

I have a rental down the street that was my primary for a few years, so I am not just someone looking for a quick deal.

I would try to portion that off as a separate loan that can be paid back quickly - you'd need to discuss your plan with the PML.

It is invaluable to quickly calculate a mortgage payment.3.

Send a message introducing yourself, sharing your goals, and asking if they’d be open to a quick conversation.