This would be ideal in terms of cash flow (after a few years) and equity appreciation since you'd be achieving tremendous returns on limited equity in the form of appreciation, principal paydown and tax benefits aside from only cash flow. 

@Chad Verde depends on your risk tolerence.Your avatar pic shows your family, so you shouldn't be as aggressive as if you were single.You should keep some decent reserves and take your time finding a motivated seller deal, so you get a good price.

End of the day we achieved our mission and were able to donate the home to the family that was chosen and that was not easy either. 

Here’s what I recommend:Cash Investments:No Debt, No Stress: With cash, you avoid third-party control and loan vetting, giving you full control of returns.Equity Builders: Partnering with builders often reduces your property entry cost by up to 20% below market value.Consistent 10% Returns: With an all-cash approach, achieving 10% ROI is realistic and efficient.Financing Strategy:If cash isn’t feasible, consider a balanced financing model:40-50% Down Payment: Keep leverage manageable while maximizing returns.Lower Debt Exposure: A conservative loan-to-value ratio (LTV) reduces risks and keeps returns stable.Work with a Builder: Collaboration with builders can lower acquisition costs and increase your ROI.Key Takeaways:If possible, prioritize cash for simplicity, control, and consistent returns.Financing can work well with a disciplined approach to debt and a strong underwriting process.Partnering with builders offers opportunities to reduce costs and enhance your portfolio’s profitability. 

But I can't help but think that I could benefit from the occasional discussion about real estate strategies or bounce opportunities off one another.Coach Carson's RPM program details below:Cost: ~$2500/yearBenefits (form Website):Personalized Coaching: Members receive direct support and feedback from Coach Carson and selected coaches, including monthly group coaching sessions, one-on-one "hot seat" calls, and small group coaching within Action Teams.Action Teams: These are accountability groups of 8-10 members that meet weekly over a three-month period to set and achieve goals, fostering perseverance and resilience among participants.Comprehensive Resources: Members have access to a repository of documents, systems, checklists, and more in the community swipe file, including tenant screening criteria, due diligence checklists, and rental analysis spreadsheets.Exclusive Community: RPM offers a private community of like-minded investors who prioritize time and freedom over scaling rapidly, providing a supportive environment for shared learning and growth.The Group Targets:Investors with experience owning 1 to 8+ properties, whether short-term (e.g., Airbnb), mid-term, or long-term rentals.Individuals who are coachable, hardworking, and value time and freedom over aggressive scaling.

Overall, I’m incredibly proud of what I’ve achieved with this business so far, and I’m excited about the future.

If it is working with subs, a GC license won't help that in any practical way.At the end of the day, it depends on what you are looking to achieve.  

It achieves the very policy consideration behind the loans in the first place.

My exit strategy is to hold the home 2-5 years and to purchase another home with the new equity I would have achieved by renting the bottom portion and with market appreciation.

Sebastian in Claremont CA These are photos of the condo: https://www.zillow.com/homes/991-W-Sierra-Madre-Ave-.num.2-A...And And these above are the new home (ADU) rented for $1,875 p.m  Just trying to motivate you… that’s all.