I love a healthy debate and it's useful to readers.Speaking of debate, you brought the Playa vs Tulum debate, which I'm often asked about.

Understand the pros and cons of each approach, and consider which aligns best with your goals, risk tolerance, and resources.Evaluate Your Resources: With a healthy credit score and $35,000 in liquid funds, you have a solid foundation for real estate investing.

I've been able to get a healthy combination of both cashflow and appreciation from my properties after a little TLC.

I've been able to get a healthy combination of both cashflow and appreciation from all my properties after a little TLC.Happy to share my experiences.

@Jon K. regarding disability I think your young and otherwise healthy/competent people can be retrained and I make no exception for Veterans.

Almost all foreclosures are going to be cash deals with healthy rehab budgets attached.

On #2, the reason to take a lower interest rate is that I get the price I want for the house (which would be difficult in this interest rate environment) and enable the buyer to purchase the home with lower monthly rates,  where he would not have been able to do so otherwise AND I still make a healthy return on the money until he refinances.

For a long term healthy market (which I would argue is most important) we should prefer a more steady / predictable price appreciation, not something this rapid.

There are no investments that are immune to risk in general.I like to invest in growing markets that also have traditional tourism draws, but that is my preference. 

They look at factors like how old he will be when the loan is matured, whether you are healthy or not, the value of a collateral, or how long he has been working at a company etc.