@Ernes SahicYour offer would hold a LOT more weight if you were pre-approved with a lender first.   

(for the Dallas, TX areas)  Multiple layers simple means more $ to the crew for tearing it off and more $ toward dump fee's (a lot more weight). 

In Chicago we have Albany Park, Avondale, Irving Park, Pilsen, Bridgeport/Mckinley Park that have been seeing rapid gentrification/appreciatio.

  * The rapidly rising prices seem to have calmed a bit, but both our average and median prices are considerably higher than the same time last year, and year prior to that.

There are too many other details in loan structure that carry far more weight than rate.  

@Mike Bianchi I would diversify it this way since you are young. 1) $300,000 into a variety of private real estate syndications more weighted towards multifamily but also including self-storage, industrial, and maybe mobile home parks.2) $100,000 into a debt/note fund(s) where you would get a more fixed return.

With the gentrification that is going on in my area, properties are rapidly appreciating.

So it's worth doing the legwork to know the requirements for the property you're actually buying in, and you''ll likely need to do that research yourself as most local realtors haven't kept up with the rapidly changing regulations.  

This is the strength of the concrete and how much surface weight it can take.

Having an investor with a huge chunk of the deal or large sum of money invested, will often times have that investor inserting himself in the deal, insisting on having his opinions heard, and pushing his weight around, which will have you feeling like you work for him.There's no right or wrong, but pros and cons you'll have to weigh on your own.Good luck!