Here’s what I recommend:Cash Investments:No Debt, No Stress: With cash, you avoid third-party control and loan vetting, giving you full control of returns.Equity Builders: Partnering with builders often reduces your property entry cost by up to 20% below market value.Consistent 10% Returns: With an all-cash approach, achieving 10% ROI is realistic and efficient.Financing Strategy:If cash isn’t feasible, consider a balanced financing model:40-50% Down Payment: Keep leverage manageable while maximizing returns.Lower Debt Exposure: A conservative loan-to-value ratio (LTV) reduces risks and keeps returns stable.Work with a Builder: Collaboration with builders can lower acquisition costs and increase your ROI.Key Takeaways:If possible, prioritize cash for simplicity, control, and consistent returns.Financing can work well with a disciplined approach to debt and a strong underwriting process.Partnering with builders offers opportunities to reduce costs and enhance your portfolio’s profitability. 

When you have strong financial discipline, then you'll be ready to invest.

Financial discipline is essential.

I wonder if the disciplined, long-term play is better than having the cash now.

My ideal is to have a system or a standard in place to maintain discipline about procedures.

i think there are obviously a few different aspects to the FIRE movement - 1. discipline on saving and spending. 

They are subject to liability if someone sues, and their license is subject to discipline or loss of license if you violate rules/laws and get caught.

You're gonna need to put the work in, dedicate most of your days to your goals, select your priorities very wisely, and be disciplined enough to work on them.

We are disciplined capital allocators, excellent communicators and highly accountable.

Finally, stay disciplined, trust the process, and take action to build momentum.