Yeah my goal is around 30% but its hard to achieve, especially using a hard money loan.

Is that the main goal or something else?

The objective is to keep as much of your operating capital intact as possible.The goal is to buy, fix, finance, and avoid leaving cash in the deal, so you always have liquidity for future projects.

However, as I mentioned in my original post, my immediate goal is to move out of our current townhouse into a larger single-family home that better suits my family’s needs (we have a baby and a big dog).

It sounds like you’re in a great position to get started—$100k saved up and a clear goal are huge advantages.

They are not alternatives for the same goals. 

@Jin ZhangI would only measure pros and cons against a goal.

Sharing your goals can spark even more helpful advice!

My only goal is to have all the details clearly spelled out so we can adjust price and deadlines in a fair manner as things come up. 

What are your goals in 2025?