I'm leaning towards using a 203k loan and occupying a unit in a MF home, I even have an eye on a property that will cash flow nicely when we end up moving out of it.

I pay 7% on it right now but it has made it very convenient for me to pay off then use again to buy another house in cash.

So right now I'm leaning towards using a hard money lender to buy a property, putting 25% down and then trying the BRRRR method to pull my down payment out so I can do it again.

I am leaning HEAVILY towards doing that in my SDIRA and SOLO401K where I WOULD need to make a large contribution, because of the amount of leverage I can apply.

The location of my duplex is way more convenient /safer/actually walking distance of downtown Lynchburg, Va. the only comparables I can find are single bed room lofts which go for 850.

So right now I'm leaning towards using a hard money lender to buy a property, putting 25% down and then trying the BRRRR method to pull my down payment out so I can do it again.

Wholesaling is used to sell quicker than traditional route and more convenient for the sacrifice of price.

We haven't completely ruled any niches out but are leaning heavily towards buy and hold multifamily properties.

I would pay that (and probably a little more) for the convenience of having it on site.

Since The Trump administration seems to want to lean on the Fed to reduce rates again and is extremely opposed to higher taxes no matter what - all in the shadow a giant trade conflict with the entire rest of the world which is pushing up input costs - I have very little faith that property will become more affordable.