If you're looking to reinvest in real estate tax-efficiently, keeping funds within the SDIRA is the best approach.

My primary home is in San Diego and insurance is difficult to get and keep. 

Houses are expensive to keep up.b.  

We pride ourselves in keeping the forums positive, helpful, and focused on real estate (please, no politics, religion, etc.).

But keep in mind room rental is a lot more management intensive so that is something you should budget for if you plan to hire a PM.

I like to keep it simple in my business set ups.

After that it’s paint and finishing touches. the market here has come to a hault.

Keep a close eye on interest rates and cash flow projections to ensure these strategies align with your financing plan.

Additionally, I’ll have the ability to pull equity out in the future to keep expanding my portfolio.Given my growing real estate holdings, should I even worry about my Roth 401(k)?

DTI < 33%Some inconsistencies that I am discovering in the process- Some lenders requiring a hard-credit pull vs some ok pre-approving me with just a soft pull- Some lenders willing to share a loan estimate sheet with exact costs to close, vs some keep insisting that they "need to run the process to get the loan estimate" and that it can only be done after I get into contract.Just before going into a contract, I would like compare all of the pre-approvals and compare their rates, exact cost to close & potential time to close & then pick the best one to make the offer.Ideal scenario- Pre-approve based on a soft pull (so I don't get my credit score dinged every time I work with a new lender)- Share loan estimate sheet with pre-approval for a potential propertyAm I asking too much from the lenders?