Do you realize you still need the the income to justify the loan? 

The last thing you want to do is get complacent, or just follow the "crowd to the exit", only to realize it is a cliff they are walking off. 

I would like to use a DPA again but I didn’t realize I couldn’t do that if on the deed of another property….

@Ethan ColeDon’t do it if you are getting penaltiesNot only will you pay taxes but also a 10% penalty and people don’t realize if you have a $100k and take a 10% penalty in order to make that up you need to make 11% (after tax) and that is if your retirement account was making NO money.

@Randy Mattila i am in the same boat. i am planning on going the JV route and then from there transition to syndication. as far as raising capital what i have realized is, you the investor are not asking people for money but rather you are presenting an opportunity to them where they can get returns that they could not get from the bank or the stock asset, moreover the opportunity is backed by a hard asset!

I’m now realizing HELOCs are unavailable or higher rates than before (ex- 1.99% for 6 mos, then 6% after).

I had some skills just didn't realize it. 

If your building from ground up realize that unlike conventional multi family every bedroom has a bathroom.

I'm very new to real estate, but after finishing my law degree last year I'm starting to realize how much this experience can be of use to me in this field.

I realize cash would be much better and I may just need to wait but curious what your thoughts are if I didn't wait.