Equity Created: $550,000 ARV - $409,000 loan balance = $141,000 in equity.Cash Flow: The property rents for $2,950/month, covering all expenses and generating slight positive cash flow.HELOC Potential: Post-refi, I can secure a HELOC up to $86,000 (90% LTV) to fund future investments.

Payments stay lower, cashflow better and it'll boost your balance sheet not to mention lower risk when things go awry. 

Working with inexperienced teams. 

At this stage in my life, equity growth is more important than monthly cash flow.

Some lenders work with 220+ lenders and can really understand which lenders are best for you based on your situation. 

A key lesson was the importance of balancing renovation costs with market expectations.

So why not put that money to work and start building up some cash flow?

Numbers don't work in Huntsville or Madison proper right now. 

My ultimate goal is to acquire enough real estate to achieve financial freedom, allowing me to travel, provide a comfortable life for my family, and teach my children about discipline, financial literacy, and the wealth-building potential of real estate.I’m here to learn, share, and connect with others who share this passion.

Just make sure the numbers still work for your goals.3.