If consistent cash flow and diversification appeal to you, this might offer the best blend of growth and flexibility.Ultimately, it’s about balance: if you want to prioritize appreciation with minimal hassle, the first two options shine.

I was conflicted on DR's adamant position against leveraged debt, however, having a degree in finance and economics I believed I had well balanced approach.

This reserve amount represents roughly 2–3 years of projected repair costs, which might be a conservative approach, but it gives us a buffer for unexpected, high cost repairs when they pop up.With a larger portfolio, the reserve pool wouldn’t need to grow proportionally, as funds and repairs can be balanced across properties, allowing costs to offset each other over time.

If you want me to give you a quote, I'd need to know the address, 1st lien details (type of loan, balance, interest rate), credit score, income/DTI details, and target LTV (can go up to 80% CLTV on the 4plex). 

Some people don't have financial situation, nor have the bookkeeping to track or maintain it.Again, I personally find it very stressful just thinking about living that way for the life of the loan keeping the lowest daily balance possible. 

Then after they take their fees, and any repair costs for the month, I get direct deposits to my account of the remaining balance.

This typically comes into play with big banks (Chase, etc) who are buying the loans to place them on their balance sheet.

This means there are no checks and balances to ensure all transactions are entered correctly.

They are unable to give you a balance or ledger report when there are repairs on properties.

This helped me get the max LTV on a high balance loan.