It's a slower strategy but still effective.

Getting financing is a big part of real estate investing so using cash to pay off that debt at this point of your real estate journey will make the journey slower.

It’s also a great time to refi as rates are at record lows as well.To your questions regarding the future of retail it’s all about finding internet resistant tenants that can’t operate online and are insulated against a downturn like fast casual restaurant, coffee shops, hair salon, nail salon, dry cleaning, medical, dental etc.

@Ilya PolyakovIf you want to know when the market will have its next major decline, follow the medical industry.

People will always need food, clothing, shelter, education, medical and dental care.

This covers for rental issues(tenant not paying, vacancy, repairs etc...) but also covers my personal life as well(needing a new car, losing a job, repairs on my house, medical bills etc...)

I'm attracted to the long hold (given I suspect a market reckoning is immanent in the next year) and eventual large passive income potential but realize this has a longer/slower ramp money wise than some other strategies.

@Luke Gates: I’m a public school teacher, so I’d like to capitalize on any special mortgage rates for teachers Law enforcement officers, pre-Kindergarten through 12th grade teachers, firefighters and emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD's Good Neighbor Next Door Sales Program.

I have a motivated seller that owes $220K in a area where homes sale for $110 max, the house just entered pre-foreclosure.Her husband put a 2nd mortgage on the property to help with medical bills and passed away shortly there after.

@Vanesa Gonzalez - a $1M/$2M General Liability policy, with some form of a medical payment coverage provision, is somewhat a standard insurance policy for most businesses, and generally fairly inexpensive.