Columbus is a top five appreciating city in the US with an unexpected mix of cash flow which is backed up by a population and job growth.

My tenants in my 3 bedroom 1 bathroom apartment in the Bronx are moving out unexpectedly today, so I am looking for new tenants.

You seem motivated which is great, but motivation isn’t going to be a fallback in the event something unexpected happens in the next decade and you need a normal 9-5 to support your real estate business taking off.

I have not done a full 25% deal in years..However, appreciation gives you an unexpected tail wind.

If I use the IRA to fund down payment for the purchase how much or what percent should I leave in reserves for the unexpected? 

Use this instead of credit cards for unexpected expenses.3) Protect your home. 

We had the seller of the property offer to reduce the price to cover the unexpected increase in repair costs, and my wonderful husband got the house cleaned and things are back on track. 

This isn't unexpected, as a lot of the people I tagged are likely top agents in their area anyway.

The thing that has to be taken into consideration is this, what if items fail unexpectedly that I already know need to repair?

Economic Update(Monday, November 23, 2020) When COVID-19 arrived, all of us were confronted with an unexpected pandemic that upended the plans we had for 2020.