I think as the market continues to stabilize, we'll get a better idea of what our appreciation will look like over the next few years. 

And I don't know if investing in Albany is a good Idea.

Forget that idea.

It's definitely not a terrible idea to own real estate outside of a retirement account so you can take advantage of all the tax benefits, especially using the depreciation to reduce your taxable income from a w-2 job.

If the end goal is financial freedom ASAP, trading in the depreciating asset for a cash-flowing appreciating one is a great idea. 

I'm Enrique, an aspiring real estate investor.Quick Bio:Since 2022, I've been on a journey in the world of residential real estate, focusing on single-family and multi-family properties.What I'm About:Believe in the power of connections, creating value, and the idea that "If you want to go fast, go alone; if you want to go far, go together."

Any other creative financing ideas?

If that person is an employee of one specific bank/lender, it's common for them not to have any idea which hits are "their" hits, and which come from Fannie Mae, since they only ever see the rate/fee schedule from the one place they work at, and they aren't typically labeled that way, it just says "2-4 unit cash out:" and lists the amount of the hit in basis points, without specifying from whence it came.

If you are interested in digging deeper into these ideas or talkin’ real estate investing - which I always love doing - don’t hesitate to reach out.

No idea what to do?