Over the next 5–10 years, I plan to scale to a portfolio of rental properties and eventually diversify into syndications.I’m particularly interested in the Lynchburg, VA market and other areas with strong rental demand.What I Bring to the Table:I’ve been saving aggressively, and I’m exploring physician loans to help get started with minimal upfront costs.I’ve done a lot of reading (shoutout to BiggerPockets books!)

I feel it depends on your investing horizon but I don't mind the stock market as long as you don't plan on using the money right away. 

I definitely plan too  

Are you planning to rent it out or live in it?

Take care of the hard job first.  

However, with your high W2 income and your partner’s weaker credit and cash flow, you might need to structure the agreement carefully.

Also, the turnover will be much lower, but maintenance costs might shift too, so it's good to plan for that.Happy to connect if you need more tips!

But in Smarter Contact, even though it's not required (if you're in the Elite or Enterprise Plans), they're strongly suggesting it and even have a report on "carrier block rate" percentage.

So their plan is follow Hawaii’s “protect the homeowners plan:  how did that work out?

With thoughtful planning, you’ll be well on your way to building wealth and achieving your goals.Good luck!