Go down to the bone as long as you have consistent income.

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. 

If you consistently analyze properties, recognizing a good deal will be much easier when it shows up.

Staying consistent is the key.

The trade-offs are real, but for consistent cash flow and the right landlord, it can be an excellent strategy.What’s the best way to start?

The lower entry costs compared to other markets, plus lower taxes, make it great for consistent cash flow.

Been using them for a couple of years now and still provides consistent results.

We've captured a lot of equity over the past few years & I kinda hate to "throw it away" towards another primary residence. 

Taking financial advice from people who have made a life of consistent bad financial decisions is never a good idea.

When you are consistently above 820, you may occasionally hit 850.