If you were able to build equity over time, it could be smart to sell, pay off your loan, and use the money for another venture (flip, investments, etc) if it is truly bleeding you out.

I'm looking to make smart decisions for 2025, and this seems like a great place to start.

Sounds like you put in a ton of work to maximize the value, and that basement addition was a smart move.I noticed you mentioned the NYC luxury tax and some of the rental pricing challenges—have you considered expanding your portfolio in markets where you don’t have to deal with those kinds of headaches?

There’s no shortage of properties that could benefit from your expertise, and using your team during slower periods is a smart way to build equity and maximize returns.If you’re considering your first project, I’d suggest looking at duplexes in Belton, MO.

Your experience as a real estate agent, coupled with your technical expertise, makes you a strong asset to the local investment community.Your “live and flip” strategy and focus on PML partnerships sound like a smart approach to building your portfolio.

A smart seller/listing agent will likely require a large EMD to tie you to performing on your offer, so be prepared for that. 

I am now 29 and wanting to grow at a faster rate- and also ensure that I am making smart moves, rather than just grasping at whatever a bank will give me.

If you're pretty smart with this stuff, I think can definitely make sense for you two to talk with a tax planner.

Walking away seems smart.

Using your smarts.