They get a higher return since they are covering housing cost, have the $250k per spouse primary residence deduction in gains, is a savings account, higher leverage position, lower interest rate possible, will pay more premium for location, etc.House might be overpriced for REITs but not for home owners.  

I can do that through charging points, but since I'm getting it at a lower rate than you could as a consumer, I prefer to mark up the rate while still being lower than most others in the market.

Most who try to replace their W2 income invest in less sustainable investment methods: investing in lower tier neighborhoods that cash flow well in spreadsheets or flipping homes.

I felt like I was constantly chasing her down for updates, which added a ton of unnecessary stress to the whole project.The design itself was incredibly disappointing.

This was my first deal, and house hacking made the most sense because it lowered the threshold for risk in my mind.

These individuals have often walked the same path you’re on and can provide insights that save you time, money, and stress.

Consistent cash flow: Reliable income to build wealth.Less stress: Stable tenants and well-maintained properties mean fewer headaches.Long-term appreciation: Steady growth over time.Resilience: Weathers market downturns better.Ami I chasing "shiny objects" or building a solid foundation?

Sherman does seem interesting though because of the lower cost and growth potential.  

DSCR or Fannie/Freddie loans can go up to 75% on single family homes, multi family homes (2-4 unit) max at 70% if you stick with Fannie/Freddie.Other things to consider would be:Paying points for a lower rate vs higher rate with no pointsIf going DSCR - Prepayment penalty term (0-5 years)The lower the loan size ($200-250k and lower), you should consider paying up to 2 points and doing a 5 year prepayment penalty if going DSCR.

The Heloc can also pose as a debt obstacle since its an open end mortgage a.k.a credit card.a mortgage is also set up over 30 years so it offers a lower rate and payment.