Higher loan balances we would likely see an opportunity in the future to refinance again due to lower rates so consider a 2-3 year prepayment penalty.Of course if you qualify for Conventional Financing (Fannie/Freddie), there are no prepayment penalties so just calculating out the return of investment timeline on point buy downs.Good luck shopping and let me know if you want to talk further!

Balancing that with wanting to do something to maintain affordable housing for those in mid to lower income brackets.  

A balanced market typically has around 6 months of inventory, so anything lower suggests a seller’s market with limited inventory.🎆 Las Vegas Rings in 2025 with a Bang!"

I would agree that RE prof status is hard to achieve with a limited number of properties.

Even promised ROI seems difficult to achieve.

If you’re not paying cash for properties, get pre-approved for an investor loan to understand your available credit.Time FrameThe shorter your timeline to achieve your goal, the more upfront capital and credit you’ll need.End GoalMost investing goals focus on replacing their current income, like $5,000/Mo.

@Nicholas Dilloncongratulations on your success so far. a few comments.1. is BRRRR still achievable in 2025? 

For investors focused on socially responsible projects, this balance can attract support from communities and municipalities.5.

Achieving a great cashflowing property, learning the process while executing, and great satisfaction of helping a family.

Starting with a manager might be wise if the property is far or you’re balancing other commitments.