These systems are becoming more sophisticated and (my favorite) capable, leading to improved user experiences and potentially freeing up human employees to handle more complex tasks and interactions.

I lost my job in July.

If you really have gone from 3 to 200 properties this past year while having a two W2 jobs, you seem to have found your niche and doing well, good for you. 

My wife and I earn over $350k a year in our jobs and all of that is now going to pay down debt.We have the option to increase our HELOC to unlock some more capital which I'm considering doing to try and get a good return on my money and pay down the debt faster, but given past experiences I'm not convinced it won't end up with more debt.What would you do at this point?

A great way to get started if you currently have a W2 job is to buy a house hack like a duplex or a fourplex where you can move into one of the units and continue to rent/manage the other units.

So I would caution everyone to make sure the replacement cost for your improvements will realistically cover your actual replacement cost in the event of a total loss.

As when people lose their jobs, the vacations they take is the first choice to cut back on. 

It’s interesting how you mention that offering flexibility as a lender has opened up opportunities for borrowers to pursue deals they might not have otherwise been able to.As a private money lender, I'm always looking for ways to improve my services and better support investors like yourself.

It's a job. 

The mountain house has taken almost 2 years of breaking even and using some of the income on improvements until we have been able to cash flow.