Quote from @Conrado Balicusto: Quote from @Chris Seveney: @Ryan DaultonWe use it for private lending - because the tax benefits are lost with real estate When lending usually it’s taxed at ordinary income rates if using your own cash so using a sdira I prefer for lending and my w2 income savings for real estate to maximize tax efficiency  Thank you for the insight on private lending and tax efficiency.

I'd send out 500 at a time, using a different mailer/method weekly.

Here’s how using a Self-Directed IRA (SDIRA) to invest in real estate enhances these benefits, especially for those looking to diversify their retirement portfolio: Tax-Advantaged Growth: Real estate investments inside a self-directed account grow tax-deferred (traditional SDIRA) or tax-free (Roth SDIRA), meaning rental income, appreciation, and even gains from selling the property stay shielded from taxes until withdrawal—or forever in the case of a Roth!

What are your thoughts about using a virtual CPA?

Your current single-family property has a $1,000 monthly out-of-pocket expense—consider selling and using a 1031 exchange to acquire a multifamily property with better cash flow.

I don't have the 10% for the down but thinking of using a HELOC to get the money and then add it into the calculator.

For cost efficiency, consider using a flat-fee attorney.

I myself am in a similar position looking to acquire a secondary home in the Banner Elk and would plan on using as a STR and would love any input on your findings!!

Using a HELOC or home equity loan on your personal home could be a good option, especially if you can secure a low interest rate and manageable terms.

My suggestion would be to manage it yourself for 1-2 years, then as you acquire more rental properties, you can start using a PM.