It's difficult to say which is better, real estate or the stock market, as it depends on an individual's goals, risk tolerance, and investment strategy.

In general I believe you need to leverage in real estate but how much leverage you want to take on depends on your risk tolerance and property class.

But, if you can afford to subsidize the rental income for the foreseeable future and can tolerate repairs, and you have the majority of your PITI being paid by the rent, does it not make it an ok investment anyway due to the loan payment and potential appreciation?

It's tolerated, because you're learning. etc., etc.).

I'm confident the rents can be double or more.Today, the seller responded with seller carry at $800K, same down payment.Among other unfavorable, but tolerable conditions, he wants the loan at 6.25% I/O for 10years.