that immersion learning IS PURE GOLD.  

That’s just pure nonsense to me.  

Platinum-grade batteries with a three-year warranty, brake pads guaranteed for life, windshield wipers changed every year, Michelin tires changed every 2 years, oil changed every 5000 miles.

For me:Bought my first pure investment property (non house hack).

HML generally at least with the bigger operations require just about as much underwriting as banks or DSCR lenders.. they just usually do it quicker.. but the days of pure asset lending left the barn post 08 meltdown .. smaller private firms ( like me) we have quite a bit of flexibility on all underwriting aspects its not uncommon for me to get a deal on a Wednesday and fund on the next Monday.. but keep in mind these are all my trusted clients with years of working relationships..

It is my hope that rates come down over the next couple years a bit, but that's gravy, not something I'm betting on to stay afloat.the thing I am struggling with the most right now in this regard is from a pure real estate perspective, I'm willing to sacrifice cash flow for a deal that is at least cash flow positive, especially if there is strong hopes for appreciation, increasing rents over time, and so on.

Second home was pure savings and put the least amount down I could.

Are you looking for tax benefits, pure cash flow, house hack? 

I just offered this morning on a condo for myself in Albany Park purely as a rental.

I suspect most people keep it inactive for awhile, continue to do CE credits and renew every two years purely because at some point they MAY decide to get back into the business, or do referrals.