My units aren't luxury units, but they are on the nicer end of the rental spectrum.

We already do that with new houses being built because we enjoy it; this is just on the other end of the spectrum. 

I have had 5 heart surgeries, I have degenerative arthritis, I am on the autism spectrum though I am high functioning, and had to deal with a chronic depression for about as long as I can remember. 

Price $500,000.00 $500,000.00 25% Down $125,000.00 $125,000.00 75% LTV $375,000.00 $375,000.00 8% NOI $40,000.00 $40,000.00 5.5% 20yr am Loan Payments $30,955.00 $30,955.00 Cash Flow $9,045.00 $9,045.00 Year 1 Interest $20,360.00 $20,360.00 1.2% Property Tax $6,000.00 $6,000.00 Additional Taxes (35% Bracket) $0.00 $9,226.00 After New Tax Cash Flow $9,045.00 -$181.00 I fear if these numbers are accurate, it could trigger a shift in GRMs and Cap Rates across the RE investment spectrum driving down asset prices, particularly for buy and hold investors.  

The top of the spectrum takes a haircut before the bottom.

Mike,We are obviously on different ends of the political spectrum and I'd love to debate these supposed individual rights that are being taken from you.

There is a wide spectrum of things that investors are looking for.

I've been investing for 15 years, own 75 units with a mix of student rentals, commercial offices and a handful of lower income properties with gross rents in the 120k/month range.It's been my experience that "passive income" in real estate is at best on a spectrum and at worst a complete lie.I have in-house management for most of my portfolio and outsource management to 3rd parties for some of my other properties.

I refuse to assume a rising market in my analyses, it just seems irresponsible/risky to me, but others are at a different point on the risk/reward spectrum and that's fine too - everyone has to find their own comfort spot.Angel, there are a lot of good ideas in this thread including private lending and getting some rental properties, or (maybe the best one yet) just waiting until you find something that does meet your criteria.Another idea could include spending a little bit on educating yourself in any areas of real estate that interest you.

That being said, on the other end of the spectrum I would also recommend reading Rich Dad Poor Dad for info on how liabilities (truck debt) work against your investing and how cash flowing assets will help pay off your debts.