Another neat piece is the IRRRL, which allows for cost-effective refi's (similar to R/T) if rates ever drop. 

@Thomas T.

He casually told me he sends out 10,000 pieces of mail every month. . .ten thousand!

For the rental at 9%, I would absolutely price out a R/T refi on it right now.

Unless you really know what you are doing, you can lose your shirt.

Right now, I'm focused on:- Learning the best investment strategies that don’t require a real estate license (wholesaling, rental properties, etc.).- Finding potential clients who are interested in investing but may need help identifying great deals.

There is a ton of DD to do on a MF property, are you doing an environmental study, a reserve study, analyzing the T-12, market study to show there is room to increase rents (of course every seller states rents are underpriced)... 

Sub too is super easy in the right market conditions and we are coming into the right market conditions you just need a little jingle in your pocket t o pull these off.. 

John T Reed, a well-known real estate investor with excellent scruples and a strong moral compass, explains it well in his article.

So more Roth for way less in taxable income incurred. doing this is easiest in a Solo 401k if you qualify but can also be done using a checkbook IRA as well. check out this post that @Dmitriy Fomichenko made explaining this concept.https://www.biggerpockets.com/forums/51/topics/1223601-how-t...