Hello, I have read several books including Buy, Rehab, Rent, Refinance, Repeat by David Greene, How to Invest in Real Estate by Brandon Turner and Joshua Dorkin, and The Book on Rental Property Investing by Brandon Tu...

Although forthcoming and we appreciate the honesty, it does not build confidence in the process.

All of these describe a type of ownership, and not a building style.

I would add one more column to @Linda Weygant Account type:- Income- Expense- Asset- Liability- Investment- Draw All you have to do is filter the type and will be ready to see your investments and file your taxes as well.

The taxes are high and their building codes are strict to ensure the homes stay historic looking.Note: You can definitely open an AirBnB in Cleveland but it would have to be a condo downtown for $240k or so that allows it.

Would I be able to leverage equity in that towards a build?

It's a medical office building located in Prosper, TX and here's a breakdown of the key details:Property Details:Sale Type: Investment or Owner UserProperty Type: OfficeProperty Subtype: MedicalBuilding Size: 9,657 SFBuilding Class: BYear Built: 2023Percent Leased: 100% (Currently Fully Occupied)Tenancy: Multiple TenantsBuilding Height: 1 StoryLand Acres: 1.00 ACZoning: CommercialFinancials:Purchase Price: $676,000 + $81,000 Tenant Improvement (TI)Down Payment: 20%Commission: $22,000 (agent commission)Monthly Rent: $5,400 + NNN (exact expenses not specified)Vacancy (First 6 Months): Estimated expense of $27,600 (assuming rent starts after 6 months)Mortgage Payment Options:25 year term - $4,000/month15 year term - $4,600/monthLooking for Your Expertise:Does this fully leased medical office building present a good potential investment opportunity?

No, that lender definitely gave you bad information.It is absolutely NOT necessary to leave a balance on your credit cards, if you are going to carry a balance make sure it stays at less than 30% of the limit.What builds your credit score is the monthly reporting of "Paid As Agreed" if you owe 0 and you pay 0 then you are paid as agreed.

I've heard that Howard county allows building and renting out ADUs, but the permitting and becoming a landlord process can be a pain.Looks like Anne Arundel allows building ADUs and renting out short-term (but not long-term?)

Not before that long it could become more interesting for you than for us here.Now, for us building a portfolio of rentals (and btw also an option for Americans), we avoid this by not doing it as an individual but with a company (SL) and changing it to company tax (first two years 15% and after this 25%) and creatively deduct way more costs.It is true though that this is a good way if your strategy is to reinvest your money time by time building something bigger/passing it along to kids/relatives etc, because when you want to take money out of your company you would need to pay dividend tax or in the form as a salary.