And, another one requires more support (special needs).Husband working on starting his own business (starting phase, no income)On the side, there are some income ($50K a year)Goal:1.

and for the life of me I cant see what these guys do that a very good RE broker who specializes in those assets could not do for you and far better frankly. 

Promissory notes in general, as they have no collateral, seem a bit higher risk, perhaps mortgage note investing which are backed by residential and sometimes even commercial real estate would be a safer alternative, and yet very lucrative, too,  8-12% yieldsFor extra returns, I put a small portion of my portfolio into BDCs, Business development companies, that specialize in loaning money to growing businesses which are too high risk to get loans from proper banks.

If you were referring to credit cards stacking, that’s not a new option that needs a bunch of special maneuvering.

As a new investor, focusing on these can give you a solid foundation to grow your portfolio.I’m primarily focused on the Indianapolis market, where we specialize in new build duplexes that offer strong returns and stable rental income.

I highly recommend working with one that specializes in real estate taxation.

However, if you feel you don’t need a tax plan that complex, there are tax planners who specialize in working with real estate investors and can help you craft a tailored plan that’s more affordable.

Strong property management and careful tenant placement also play a critical role in success here, so I recommend partnering with a turnkey company or an agent who specializes in these areas to make the process smoother.As for rental demand, homes that sit for extended periods are often the result of issues like pricing, condition, or tenant quality—not necessarily a reflection of the market as a whole.

I feel I’m in a special scenario and would like to have about 3 properties by the end of 2026.

OR Talk with a property management team that specializes in Padsplit / Co-living and they can give you some more realistic numbers to go with when it comes to occurancy % and cost!