You are young so be more aggressive with the rest of your funds maybe hit a big winner or two.

Here are two examples to help you understand this:1.

I invoice my clients monthly with two invoices- one to be paid for my services and one to go to the cleaning staff.

Of note, housing costs [shelter] accounted for over two thirds of the monthly increase.

For you investors that have ordinary income to write off let me tell you the greatest secret to minimizing tax liability, Cost Segregation.When coupled with zero down seller financed purchases the numbers get crazy.These numbers below are one of two parks I bought zero down with seller financing last year.This one park one year is a $140,834 write-off equal to $40,842 in tax savings and the second park is $14,000.I am projected to save almost $60,000 on two community purchases that I don't have any of my money invested into, they were true 0% down parks.Don't kid yourself, real estate is the best investment opportunity that exists.

You have to live somewhere.Don’t throw away getting a good investment because you can’t yet scale to number two.

Yes as you suggested it does sound like hard money would be the best route to go if you are by yourself and don’t have the two years worth of “income” to support a traditional mortgage.

I recently installed two hot water heaters in my primary in Wa and I was happy to see the tanks!!

Purchase price: $950,000 Cash invested: $150,000 Single-family residence with potential to add two separate ADU apartments.

Just my two cents.