Then just ask: Hey, since you moved out of state I was wondering what your intentions were with this house.

And I have tenants that make multiple small payments every month because after they’ve moved in they’ve had their finances screwed up from what they were when I screened them.

The limited 203k is no longer limited to 35,000 - it's now up to 75,000 in repairs, and thats for projects where there is no change to structure, IE, no moving walls, alterations, additions etc.

Cost segregation studies move deductions out of future decades and mostly into the purchase year and the year following that.

Maybe waiting to refinance your primary could be worth it, but if your investment property is a solid, cash-flowing asset, I think getting out of that 9% rate would be a smart move. 

If you're looking for ways to accelerate, consider these options:Seller Financing – Some sellers may finance a portion of the purchase price, reducing your need for a large down payment.DSCR Loans – These loans focus on property cash flow rather than personal income, often requiring only 15% down.Private Money Lenders – If you can find a PML willing to work with you, you may be able to put less down.Partnerships – If you’re open to splitting profits, you could bring in a partner who funds the down payment.Since you’re okay with the slower path, just keep stacking cash, but these might be worth exploring to move faster!

That's how we also learn and develop.Make your next move your best move.

John,  I’ve had friends move out of the Cahokia market because they couldn’t find good property management.

Creative financing: Explore seller financing or subject-to deals for your next property, which often require less upfront cash and bypass traditional lending limits.You’re on the right track thinking long-term—house hacking and leveraging your duplex are great moves.

If something goes wrong we can always move away.