If you find yourself in a similar situation, I highly recommend exploring the gift of equity deals and using sweat equity for renovations.

Additionally, high-income earners with modified adjusted gross income (MAGI) over $250,000 (married filing jointly) may be subject to the 3.8% Net Investment Income Tax (NIIT).For 2025, bonus depreciation is at 40%, so consider leveraging it for eligible property assets like appliances or fixtures to accelerate deductions.

Most agency loans will expressly forbid such an arrangement, so if they found out, the odds of having the loan called would be very high. 

While having high standards is important, it's worth considering that many Section 8 tenants might not meet requirements like a 640 credit score or $90,000 in household income.

If anyone tells you that you can get 15% cash-on-cash it's either a scam or ultra high risk. 

Some lenders even do as high as 1.3.

High performers everywhere swear by it.

Find one that can be custom to your needs, has flexible pricing, no long-term, high-cost memberships, and excellent customer services to determine how to best market to your leads.If you would like a referral code or more information please let me know :)

A few things that newer investors should note:- it took 13 years to get there, you have to be patient- rents are high at about $1,750, so probably a quality neighborhood- looks like that is after vacancies, probably low turnover?

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.