It depends if you need or want the money out or want an asset that will bring in income, especially since you own it cash.

First, 4% of that ROI is because you’re doing the asset management” work yourself without direct compensation.  

My wealth was tied up in assets and I wasn’t at a place financially to not work.

Digitize physical receipts for easy storage and use a consistent naming convention for easy sorting - 2024.03.25 Home Depot.- Maintain proper records, such as contracts, settlement statements, and promissory notes.- Additionally, you can track income and expenses consistently using software or spreadsheets.If you track everything, you could show a loss and use that to offset other earned income (such as a W2) which will net you a bigger refund.

I have significant enough assets and capital that I can make a few loans while still maintaining a healthy stock portfolio to keep my money working for me. 

Forming a business to protect my assets is an area I need to gain more knowledge in.

So while that’s a great asset you pay more for it typically.

Account Closed said, income and assets are the only "hassle" with a conventional loan.

If you can rent 3 units for $2,000 you are close to breakeven.On the plus side, you will have a highly attractive asset and several decades without much cost of capex and repairs. 

His expertise in IRAs, trusts, and asset protection was truly impressive.