Typically, you can only do one rollover per 12-month period (again, IRS Publication 969 has the details).In the end, having the option to invest your HSA funds is usually a better bet than letting them sit in a basic savings account.

Quote from @Steve Englehart: I currently have two long term rentals and am looking into buying into the short term rental arena.  

I am planning to BRRRR in DET and do turn-key up here as we are so short on labor. 

Investors will likely explore creative financing options such as seller financing, joint ventures with private lenders, and bridge loans for short-term capital needs.ConclusionThe potential privatization of Fannie Mae and Freddie Mac is a significant development that could reshape mortgage financing in the U.S.

Gross Margin is an important calculation for developers/builders.Gross Margin = Gross Profit / RevenueWe shoot for a 20% gross margin on our New Construction HomesReal #’s:Home Sales Price: $374KClosing Cost: $18,700Cost of Construction: $258KLand Cost: $30KGross Profit = $67K$67K/$374K = 17.9% Gross MarginCame slightly short of our goal of 20%Homes Values and Build Costs are constantly fluctuatingI wish we had a crystal ball

Heres a general breakdown:1960s: ~5 -“7%1970s: ~7 - 11% (rising due to inflation)1980s: ~10 - 18% (peaking at 18-19% in 1981-1982 due to high inflation)1990s: ~7 - 10% (gradual decline)2000s: ~5 - 7% (lower due to economic stability)2010s: ~3 - 5% (record lows after the 2008 financial crisis)2020s: ~2.7 - 7.8% (historically low in 2021, then rising in 2022-2023 due to Fed rate hikes)Long-Term AverageOver the past 50 - 60 years, the average mortgage rate has been around 7 - 8%In short and IMO, due to fiat system.

Make it your business practice to post the notice to pay or quit precisely on the day after the grace period ends, every time.

Conventional lenders typically require a 6-month seasoning period from purchase before they’ll consider the appraised value for a cash-out refinance.

Everyone in this Industry at least who sells RE to Homeowners NOT investors knows the cycles and right now the cycle is MORE LISTINGS period nationwide.. then come about Nov.. people slow way down B/C of the holidays and in other markets winter is slow because weather is so snotty..

Going to do short term rental as well.