Do you have a nice amount saved up for the activities you enjoy(I assume yes given a 30+ year in Tech plus you mentioning making lots of money already in real estate).If that is the case, what are you looking to achieve now within real estate?

Which is more quickly achieved?

Then after that is achieved, we will begin saving for a down payment on our first house that we plan to buy in the next 2-4 years.

If you want me to give you a quote, I'd need to know the address, 1st lien details (type of loan, balance, interest rate), credit score, income/DTI details, and target LTV (can go up to 80% CLTV on the 4plex). 

This reserve amount represents roughly 2–3 years of projected repair costs, which might be a conservative approach, but it gives us a buffer for unexpected, high cost repairs when they pop up.With a larger portfolio, the reserve pool wouldn’t need to grow proportionally, as funds and repairs can be balanced across properties, allowing costs to offset each other over time.

We also have a HELOC with a balance from repairs and an 8% interest only rate.- Currently have around 15% LTV - so 85% equity. - The payments are now 60-90%, principal, which is great, except for tax reporting purposes in 2023 showing a profit.- 2024 almost much every possible repair imaginable was needed among the units, so the headaches and costs were compounded - now the properties are buttoned up for the most part and we'll probably show a loss for 2024 taxes.- We don't cash flow at all because we were bullish on the BRRRRs and also did some flip rehabs using some of that equity and pocketed it years ago. 

Then after they take their fees, and any repair costs for the month, I get direct deposits to my account of the remaining balance.

I currently own two properties in California, and at 21 years old, my goal is to continue purchasing properties and eventually pay them off to achieve financial freedom.I’m considering two options:1.

How long can you do that to achieve your results?

Why are they selling if it's achieving one-percent rule?