I really would like to keep as much personal cash as I can at the moment because I am expecting some very big life changes this summer which will take a good chunk of my income.

As that will at least help folks that you reach out to know that you are a real person, with a picture and professional bio.

like what most people don't get about the AI is that, currently, in 2024, the AI will become a sudden giant because there's world war three among data centre elephant and data modeler : microsoft vs google vs meta vs amazon, they are the one that's buying thousand of nvidia gpu with the hop one day that one small company or startup can replace the incumbent like google , pfizer All their purchase makes every single nvidia employee can buy a house in santa clara county easily lol. it would impact REI by a lot later on as employment and employability or group of persons would change.

Personally this is the way I think governments should implement these regulations.

With respect to the other market cycles this is what I would personally do to exploit the upcoming market cycle:Recession: Network and Educate!

Personally it all seems to equal out in the end.Our cleaner charges a flat rate no matter how long the stay or number of guests.

@Michael MoikehaHere is a list of lenders who specifically specialize in non-recourse financing for retirement accounts:https://www.biggerpockets.com/member-blogs/2810/50272-list-of-non-recourse-lenders-for-self-directged-ira-and-401kI personally have a loan with NASB, good experience. 

Trying to build out that dream team of contractors and subs as well.A mentor would also be super helpful, but like I said, still building out that network.As far as my personal situation, I have a good credit score, a decent amount of savings (200k cash) and a little more than that in investment accounts along with some equity in my current home, a mortgage, and car payments.Any advice would be greatly appreciated.

Quote from @Albert Johnson: Stay out of personal drama.

Have some quotes going the DSCR route however fees and rates seem on the higher end, we have 790 credit score, good W2 jobs so documentation is not a problem and we don’t have an issue putting them in our personal names, but have had the MFRs for less than a year and operate out of MD.