Hearing about your experience moving from a 4-plex to an 8-unit property gives me a better idea of what to expect as I grow my portfolio.

Quote from @Paul Stewart: I've noticed a growing trend among new real estate investors in my area.

We like to work with clients like yourself who are actively pursing projects and looking to grow their portfolio.

Hi BiggerPockets Community,I’m Jaedon, and I’ve spent the last few years helping clients secure business funding to grow their ventures.

The smaller properties are still growing in terms of prices and rents - which have both gone up actually since covid. 

I find this data super interesting, and took the opportunity to dive into their 2025 edition this week.Nationwide they say we can expect:Average mortgage rates of 6.3%, with rates edging down over the year to reach 6.2% by the end of the year.Home prices will grow by 3.7% across the US, which is pretty modest.

You’ll put 5% down but get 2% back on sale (which might pay for your closing costs) and then do a rent by the room to cover your expenses and downpayment for next year) Not sure which university you are at but both Henrietta and South Wedge are solid places to start (serving RIT and UR respectively) Good luck, I personally think Rochester is a great area to start due to constrained supply with a growing population

And the cash value keeps growing in spite of the loan--- Tax-wise, only the rented portion is deductible, and depreciation recapture applies on sale, increasing taxable gains.

Hi Joshua,Welcome to the forums.Wishing you the best as you grow your portfolio.

Also, I am thinking of investing into real estate via a new Self Directed Roth Solo 401K account due to tax free distributions after age 59 1/2 instead of SEP IRA, any thoughts?