This is helpful and I'll need to do more research into a couple more firms to reduce the costs.

I would forget about growing the portfolio and generational wealth until your husband finds a job and you reduce your credit card debt.Credit card debt has interest rates above 20%, there is a strong case that your rentals are not generating a 20% return.

Any reduction in non-mortgage debt can make a big difference in your overall DTI.Since you mentioned having funds for a down payment, putting more down on your new purchase could reduce your new mortgage payment and lower your DTI.

So raising the cost of a load could possibly tank demand, thereby reducing income.  

When it comes to real estate investing, one strategy stands out for its ability to build wealth while significantly reducing your personal living expenses: house hacking with multifamily properties.

It has been on the market for three months, with the price reduced multiple times from $550,000 to the current $375,000.

We are currently experiencing another downward push on rental prices (we are continuing to reduce rents), an increase in vacancies, and an increase in time to fill units.

However, capital losses cannot directly offset rental income, though they can reduce up to $3,000 of ordinary income annually and carry forward.

-Tax Reduction [no longer available for new investments] - Furthermore, the taxes on those capital gains may be reduced if the Opportunity Zone investment is held for at least 5 years — and even further reduced if held at least 7 years.

This can reduce your financial burden and spread risk.3.