Lower expenses and hedging inflation with fixed rate debt. 

With rising interest rates and inflation, a changing market, and different dynamics in our investing world, what are some of your own personal ideas in regard to investing in today's market? 

Personally, with my properties, I leverage as much as possible because rates are still relatively low (5-6%) and with inflation at such high rates (7-8% conservatively).

With inflation through the roof, having money in cash flowing assets with low rate debt would make me much more comfortable than having a pile of cash.

And inflation is your friend.

Occupancy fraud is on the rise with the current home prices and rates rising, because people want the lower rate for primary residence and lower down payment with the inflated home values.

Also, with inflation where it is, it makes even more sense to be a borrower in many circumstances. 

Thought with another $20-40k I could bring it all to $1200 base and let inflation take care of the rest of the increases.

COVID/inflation took over and my equity just ballooned.

I was initially planning on using the money to purchase a property in Palm Springs for an STR, but with todays announcement of higher inflation bringing us closer to the panic that comes with a recession I am second guessing.