For the second property, I would expect to have to put money into it in some fashion.

That said, if you are working for a company that does not allow real estate in their 401(k) setup (most dont allow) then I can see where you might look at where is best to put my hard earned dollars. 

So your debt is currently $3000 per month and your property earns you $1000 per month? 

But, that is where the money is.I pick up trash at our properties. 

Why Part of a Good Deal is Better Than 100% of No DealHey BiggerPockets Community,As real estate investors, we all want the perfect deal—the one where we control everything, make the most money, and have the best terms.

If the tenant was there for 4 years with no qualms you have made your money back and then some. 

Just needed for some tips on saving and managing money better .  

Liquidity is important if this is money you plan to put to work in the near term. 

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

.✅ Use 20% from my HELOC for the down payment and finance the rest with hard money.✅ Force appreciation over 6 months, then refinance into a DSCR loan to pay off the HELOC.✅ Rinse and repeat!