Right now, I'm buying T-bills and bond index funds. 

I’ve been lucky enough I have t had any issues.

@Hsin-I Hsu  Owning a $2.5M house can be an expensive commitment, not just because of the upfront down payment but also due to the ongoing expenses for repairs, maintenance, and upgrades that inevitably come with homeownership.Renting at $5K a month, especially for a 4-bedroom house in the Bay Area, seems like a solid deal.

You mean you use one GC and how not t o overuse his crew so production slows? 

Right now, you can Invest your $150,000 in T-bills until you have enough to make a move.

We are now at 100% occupancy in our apartments and our restaurant is committed to a 3 year NNN lease and a $150,000 renovation at their own expense.

However you do have a new government that seems committed to cutting costs, cutting defense spending, and getting us out of wartime efforts. 

Just had my current LT tenant commit to another year so we will reevaluate again towards the end of 2025.Greg

It seems like the best fit for your situation—less time commitment, steady growth, and manageable risk.

There are plenty of ways around an HOA but they tend to break the rules that you committed to following.