This is a cultural heritage endeavor that integrates the principles of time, value creation, and sustainable growth.Much like pension funds hedge risks by leveraging long-term investment horizons, this model uses time as a financial and strategic asset.

An emergency fund needs to be liquid, and immediately available to you in addition to being low risk and protecting principle. 

Use a 2nd position heloc to absorb your paycheck, once your paycheck is entirely paying off your heloc, then it is safe to advance $3000 or $5000 extra against your heloc to make a principle payment against your 1st position heloc.

Principle pay down and appreciation are the main drivers behind my strategy, and I focus more on IRR instead of cash flow.

Question..... Does anybody know if a bank will qualify a sponsor that has the net worth but does not have a schedule of real estate?  I'm wondering if I could use a family member with a high net worth on my larger mul...

I too live in Marin, and feel it is a solid long term market for apprecaition, and utilizing the power of principle reduction.When it comes to refinancing, figure out what the loan costs will be, then divide that buy the monthly savings with the new loan in order to determine how long you have to maintain that loan to break even. 

I am confident that I will be able to refinance the remaining seller note principle with private money to allow me to hold off on putting more money in the deal.

This has been tied up in court and does not really have an end in sight at this time.5.

Highly recommend you looking into a checkbook IRA instead of cashing out.Sure you can take out the principle since you’ve already paid taxes on it but this money is supposed to be for your retirement and in a Roth your real estate can grow tax free, though check with a CPA to see if STR will trigger UBIT in an IRA.

Kitchens:-I've been playing around with more expensive quartzite counter tops following the same principle as tile: not a lot of square footage and can really make the kitchen standout.