Then after all that, ask yourself is it worth then money wise.I would recommend you take 60% of your allocation & buy houses cash or heavily less levered(20-40% LTV) in really good areas.

Because the payments are the same every month, more of the payment has to be allocated toward the interest. 

Did anyone notice this, If you allocate renting airbnb for 30 days or more you get monthly discount, but the effect on the different city is widely different?

You will use a service to make sure funds are being allocated correctly.

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If she's/he's average then just put everything to CD or some rentals are acceptable although it may not be the most highest R/R at this time.Looking at latest NAHB appreciation forecast, the next 5 years appreciation return is not too excited, with mortgage rates still lingering around 6-7% in 2025 and appreciation is only 2-3%, basically mild market.In high rate environment, it is wiser to allocate more into debt investment, such as HML, or gov. bonds.

I'll try to do so next.So I think the way this knowledge applies is that it could actually reduce the amount of effort and costs related to an operation for a married couple, fully owning say an LLC, in a community property state.If I do in fact have a partnership for Federal tax purposes, and a filing requirement, I might have several additional items to consider:1) Cost of filing a 1065 partnership tax return, time and money2) Cost of any bookkeeping, book to tax adjustments, or any other efforts required to allocate amounts to respective partners on a GAAP or tax (depending on operation's accounting method)3) Cost of any state filing requirements.

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This is almost $10 billion allocated to pay mortgage payments, utilities and insurance.

"They exhausted all the funds that were allocated during the pandemic."