It's also a bummer to be a creditor to someone who's over leveraged and putting investments on credit cards even if they are interest free for 21 months.I wonder what your reserves are like, both for your investments and for your ability to withstand a loss of a job or income.

ability to use the whole amount and how so ?

If you are a considerate buyer that demonstrates an ability to perform, off market deals will come to you through those people with whom you have developed good working relationships.

Once you convert to operating units in the REIT you can’t 1031 exchange anymore, but you may have the ability to sell your interest in small amounts to pay capital gains tax over time.

After diagnosing the issue, noting that replacement parts weren’t available, and ordering a new microwave, we received a bill for about $660.

Ultimately, your ability to get a multifamily loan is going to hinge on the property's ability to support its own loan.

Keep in mind that hiring someone that setup the STR may impact your ability to take advantage of the tax benefits.

Although one property will have negative cash flow, the ability to reinvest could yield higher returns across the portfolio.

However, if having your own separate home is your main goal, buying a personal home first might be better, though it could limit your ability to buy an investment property soon after.

I wouldn't go for a condo, as the HOA fees and restrictions could affect your ability to rent it out, and the resale value will always be lower than a comparable SFR.