I wanted to let you know that you could use a primary HELOC Mortgage and run a simpler approach to pay off your home early, or make principal payments, or save up and recast your payment.

I concur on the Section 8 approach  and don't forget the complete background check.Stop the bleeding first.

If the only MFH options you're finding are in areas you're not comfortable with, it might be worth focusing on a duplex in a better neighborhood.Saving up for a larger property later is a valid approach too, but keep in mind that real estate tends to appreciate over time, and waiting might make it harder to enter the market later.

The idea is to find a pocket or neighborhood that offers the right combination of estimated ROI and rental demand, giving a balance of cash flow and tenant demand.In my view, this approach provides a more reliable signal of demand than relying solely on pricing adjustments or short-term market trends.

I just want to focus on what I do and whether I can legally employ one or another approach/strategy, to test its viability.

If you are considering this approach, I suggest you buy an A-class property in a landlord friendly city and get a PM.

My approach is to slow my decision making on big moves given the market timing.

Investors who take a patient, forward-thinking approach can still reap substantial rewards.

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

I may also be a "necessary" approach if one had an erratic income and no savings.