I built half a dozen homes in Seaside Or on the hill above town and half way up my street was the start of the safe zone for Tsunami  when you put that into perspective..

We have two banks...a big bank that we started with, and a smaller, community bank that we went to when we outgrew the big bank.

"My name is Isaiah, I am a local investor looking to start my investing journey and have started by identifying some properties with long-time owners with good equity.

I’m sitting on 15k and I’m unsure how and where to start investing.

I’m *thinking* that if I start renting my original property this year and move to the new house as a primary, those repairs can be deducted?

I'm looking to start a 2 or 3-unit project for LTR but can't seem to get the numbers aligned to get the DSCR without doing a stacked unit.

Here are some options and considerations:Loan Against Equity/ETFs:Margin Loans:Description: Margin loans allow you to borrow money using your investments (such as stocks or ETFs) as collateral.Pros:You retain ownership of your investments.Generally quick access to funds.Interest rates can be relatively low compared to other types of loans.Cons:Your investments are used as collateral, so if their value declines significantly, you may face a margin call (requiring additional funds or securities).Interest rates can vary and may be higher than traditional loans depending on the lender and your creditworthiness.Securities-Based Line of Credit (SBLOC):Description: Similar to margin loans, SBLOCs use your securities (stocks, ETFs) as collateral, but they typically provide more flexibility and may not trigger margin calls as easily.Pros:Allows for ongoing access to funds as long as your collateral remains sufficient.Interest rates may be competitive.Cons:Similar risks of potential margin calls if the value of your securities drops significantly.Terms and interest rates can vary widely among lenders.Comparison with 401(k) Loans:401(k) Loans:Description: Borrowing from your 401(k) allows you to access funds without selling investments, using your retirement savings as collateral.Pros:Typically low interest rates.No credit check required.Interest paid on the loan goes back into your 401(k) account.Cons:Usually capped at a percentage of your vested balance (commonly up to 50% or $50,000).If you leave your job, the loan may need to be repaid immediately or could be considered a taxable distribution.Potential opportunity cost of missing out on market gains if funds are withdrawn from investments.Other Alternatives:Home Equity Line of Credit (HELOC):Description: If you own a home with equity, a HELOC allows you to borrow against that equity at typically lower interest rates than unsecured loans.Pros:Lower interest rates compared to other types of loans.Interest may be tax-deductible if used for home improvements (consult a tax advisor).Cons:Your home serves as collateral, so failure to repay could result in foreclosure.Personal Loans:Description: Unsecured personal loans can be used for various purposes, including investing, but typically have higher interest rates than loans secured by collateral.Pros:No collateral required.Funds can be used for any purpose.Cons:Higher interest rates and stricter eligibility criteria based on creditworthiness.I am a loan officer and we do some of the loans stated above.

So your competition is getting larger as a landlord.Traffic and infrastructure are starting to have issues keeping up with all of the building.

Save the time and money on beautiful floors for when you go to sell.

It would take a lot of time, effort, and money to build something that multiple owners could agree on, and in the end it would save you 3%?