Thus, the investment grows like it's sitting in a roth 401k/IRA       Then when you die, your heir gets a step-up in basis, thus eliminating all the prior capital gains over decades, but only up to 13.6 mil this year :(              Debt Funds (like mortgage note investing) can also be very lucrative but I don't know/understand the tax savings/issues in that class yet, still learning :)              Equity REIT investing can give you great siloed real estate exposure in 11 major asset class sub-types, but don't offer the direct tax benefits as direct RE ownership does above, as the REIT gets those benefits when it transacts and as a corporation passes those benefits secondarily/indirectly onwards to us investors as high dividends and gradual stock price appreciation.

Would it make sense for you to live somewhere else and rent all 3 units to maximize the income on the property to eliminate your debt?

Works great for me I only eat whole foods, have nearly eliminated all processed crap and I track all my meals.   

If lenders cannot collect the shortage this is allowed as your debt was eliminated.

This is the best way to eliminate gut or emotional decision making.

It does not eliminate you doing a thorough background screening.

I planned to put in money out of pocket towards renovations to force appreciation, get to the 78/22 debt to value, and eliminate PMI.I got quotes from 4 different contractors. 2 didn’t work out, 1 was very expensive, but number 4 was perfect.

This should eliminate that fear."

So I keep an eye on it and try to buy low and sell high to reduce or eliminate any fee can take a little bit of time but works.

Investing in fractionalized loans or syndications eliminates that but at a cost.Everyone is a genius when the market is rising, as it’s done for the past decade.