You take what you learn on podcasts and books and workshop that with people in real life.Too many investors are doing due diligence on how to invest only online.

For a 1st Position HELOC, it becomes your mortgage.

Allowed to put less than 20%3) lower mortgage interest rate4) proportionally straight line depreciate your property. 

Here are some common financing options:Traditional Mortgage: Obtain financing from banks with a down payment, paying off over time with interest.Hard Money Loans: Short-term loans with higher interest rates, often from private investors, suitable for quick acquisitions or credit-challenged investors.Private Money Lenders: Individuals or groups offering direct loans, with terms negotiated privately.Seller Financing: Buyers make payments directly to sellers over an agreed period, with terms negotiated between parties.Home Equity Line of Credit (HELOC): Borrow against existing property equity with a revolving credit line, typically offering flexibility.Real Estate Crowdfunding: Pool funds with other investors via online platforms for various real estate projects, offering diverse investment opportunities.1031 Exchange: Defer capital gains taxes by reinvesting sale proceeds into similar properties within a specific timeframe, useful for tax optimization.REITs (Real Estate Investment Trusts): Invest indirectly in real estate through publicly traded companies, offering liquidity and diversification.Joint Ventures/Partnerships: Collaborate with other investors to share resources and risks, leveraging each other's strengths for larger projects.Subject To Financing: Buy a property subject to the existing mortgage that's in place on the property (doesn't get paid off when the property sells).Assumable Mortgage: Buy a property and assume the mortgage that the seller already has in place.Lease Option: Rent a property with the option to buy it prior to a later date.Debt Service Credit Ratio (DSCR): A loan approved based on the income potential of the propertyThese options cater to different investor needs, preferences, and financial situations, providing flexibility in real estate investment strategies.Thanks,

The mortgage is fixed cost.  

It's challenging to find reliable starting points online without falling prey to scams.

I have been airbnb’ing it less than 120 days which was helping me to work/ travel a portion of the year outside of LA -  not worrying about the paying both rent and mortgage at the same time.

The investor seems genuine and I could not find any major red flags about him online.

And I could have lower income in that window after I semi-retire, before my mortgages are paid off to take advantage of a lower marginal tax rate

Or should I break my promise to get into real estate in 2025 and continue to work part-time while going to college to afford a conventional 30-year mortgage on my first SF and use the "Building Wealth Through Single-Family Homes" plan?