@Grace Norton adding to what's been written already, you'll want to get a 2-year work history for both.To consistently pay rent, requires consistent income, which requires consistent employment.Pretty simple concept!

To intentionally reduce the leverage more than required is a foreign concept to me especially in the San Diego market.  

There are also horror stories about people loosing their property in Spain. 

What you need to learn in your 20s is how professional business works, how to manage people and projects, how to run an organization and how to sell ideas and concepts.

I’m new to private money lending, so while I understand the concepts in principle, I’m still figuring out how to identify and connect with these investors in practice.To clarify, I’m targeting 6+ unit multifamily properties, and private money is a way to scale my expertise from smaller properties into larger ones.

People will always vacation.  

In 2025, it is projected at 11.119 deaths per 1,000 people, up from 11.026 in 2024.

Interesting concept Jeremy, this will not work for a backdoor Roth IRA conversion because you are converting what already has been taxed. 

If so maybe research who financed those deals since they're likely already comfortable with that concept in your market.

I for one would dislike being pushed into a box, I'd prefer to choose my own stuff...and it really ain't that hard.Interesting concept though, I just do not see the value for a veteran Contractor or Imvestor.I'd ask for references before using them...