They different compounding effects.

Relationship-Based LendingBanks: Normal transactions are always cold-blooded and policy-oriented.Private Money Lenders: Most often work with borrowers to create solutions and value relationships over strict rules.The Bottom LineThe power of private money lending, I think, is a pretty effective alternative for borrowers who need speed, flexibility, and customized solutions—especially in industries like real estate investing.

This will primarily effect tenant's sales and your ability to re-lease when tenant moves out.You have building risk: primarily, how easy will it be to re-tenant if your tenant goes dark or leaves.  

Landscaping will have the largest effect on the resale value vs a kitchen or bathroom.

But when you focus on EFFECTIVE purchase capital requirement, notice how that 1 little change of wording totally shifts mindset, focus, everything. 

The irony of the 1% "rule" is that those who could even use it effectively don't need it, ie if you need to spend more than 30 seconds thinking about whether it fits the guidelines you're probably not educated enough in RE to use it anyway. 

Many real estate professionals pay little to no taxes by using these strategies in combination with 1031 exchanges, creating a snowball effect of tax-deferred wealth.

I'd see if the employer would let me receive part or all of the bonus in 2025 for a number of reasons:- More time to pursue and execute tax-saving strategies- (Possibly) more time to hold on to the $$$ before taxes are due (2026 vs 2025)- Chance that, post-election, there is a possibility that there could be tax changes effective 2025 that could possibly help your situation. 

To this effect, I did hold bitcoin for a period of time, with this lens (I had a moderate cash position and diversified across equal parts bitcoin, gold, and dollars as an inflation hedge).

I have 11% taxes and they charge their fees on taxes also so my effective rate is higher since I don’t keep the taxes but pay the fees on them.