Reflecting on the similarities between the financial challenges of 2007-2012 and the current market conditions of 2024 sheds light on the resilience and adaptability required to thrive in this dynamic landscape.

I have house hacked 2 single family homes in Colorado Springs, moved out with both rentals cash-flowing very modest amounts annually, and am actively looking for the next property around Allentown, PA.My 2 options: Add to my portfolio and House Hack for the 3rd timeI know that house hacking will be the easiest barrier to entry around a big down payment, has the chance for a lower APR with a primary residence loan, and I am comfortable using this strategy as I have done it twice in the last 3 years.

The returns in real estate are not what they once were, but my conviction around the ability of RE to help protect wealth and my trust in RE above traditional financial markets remains unchanged. 

I cannot do a conventional loan because I do not have a job and my husband is not ready to input his info (for his W-2 job) for a loan application so I am trying to think what loans will work for me? 

DSCR Loan with 75% cash out refi3.

You can do a lot of the projections you're talking about in financial planning software, like estimating RMDs. 

However, I've read that lands contracts can exist where I'm not given the deed to the home until the loan amount is paid in full ($155,000.)

If a deal aligns with your strategy and financial objectives, then it could be a great opportunity regardless of the motivations of the realtor involved.As for advice for a beginner, it sounds like you're already taking proactive steps by planning a trip to scope out neighborhoods and define your buy box area.

Although if the clean up amount is less than the attorney fees, maybe work something out with the neighbor financially, and get your dirt back maybe.Good Luck!

Been thinking about taking on a personal loan of 50-70k for purchasing power in my Midwest market, the loan would just be for down payments and closing costs on sub 85k SFH / Duplex properties.