There actually is this weird scenario, just past goldilocks, and closer to Alice in Wonderland, where the economy keeps chugging along…. slowly, household incomes crawl ahead, corporate earnings play duck duck goose, unemployment (usually) rises and inflation stagnates.

UI is great, dashboard is clean and I pay extra for the concierge service so they do my annual filings for me and I don't have to worry about it. 

You might utilize these extra cash for a down payment on a different house.Another good alternative is seller financing, which may be arranged directly with the seller and may entail a down payment and interest-bearing payments of the remaining amount over time.

@Nathan Frost This would be called a portfolio loan but most lenders with this product require a minimum unit count, usually 5 units.

Many times that looks to be a HUGE risk to try and net and extra $300-$500 PER MONTH against potential for bankruptcy.

For example, if you are a writer interested in writing stories and newsletters, one of the best things about that is that, even when you’re at the gym, working, or sleeping, your writing can still be hard at work, raking in some extra income.

A HELOC cannot be used as Reserves or assets and PITI assets are required when you buy more REI.When you look at the blended rate having a HELOC and a 2% rate again it usually causes a higher payment over a simple refinance. 

In general, there is usually more flexibility though in this current environment using individual loans than a portfolio.

David, rental income is passive income.Placing your rentals into an S-Corp usually doesn’t make sense from tax standpoint because you will be exposing all of the income to SE tax.If you have a portfolio of rental properties that you do manage yourself - you could set up a property management company and charge PM fees, this income will now be considered “earned” and eligible to contribute to a retirement account.

But I spent a lot of time in civil court defending the purchases, usually against a multi billion dollar company called Fidelity.