Cash flowing properties at low mortgage rates are going to be much more sustainable if the market crashes.

@Jeff Campbell like you said it is risky but if you have a strong enough inflow of cash to sustain it'll be a heck of a deal if you own them outright after year 5 of ownership.

But I also know that this amount of money won't sustain me year-over-year for the rest of my life.

That is the key to sustained success!

For example, sustainable and energy performance approaches such as continuous exterior insulation, low flow plumbing fixtures, LED lighting, etc.

Wikipedia✅ Significant and sustained population growth: Never invest in any location with a static or declining population.

As you probably know it's really hard to make an FHA work with 3-4 unit building with the self-sustainability rules that have been added since covid lockdowns.

You can also work to increase the value of the property by using sustainable or energy-efficient building materials, which could potentially increase the appraised value of the property.In terms of BRRRR (Buy, Rehab, Rent, Refinance, Repeat), this strategy is typically used for existing properties rather than new construction.

At a minimum it is a clear sustained pattern of poor decisions.

If we hadn't, we would have not been able to sustain the company and would have wound up giving the houses back to the bank.