How would you invest

[Logan Barwick]

I Am looking at getting involved in rental properties and debating on which option would be best. I currently own a 3/2 ranch home with about 100k in equity and have 100k in liquidity. I'm very new to investing and weighing which options would benefit me the most.

Option 1:  Use the cash as down payment on another primary residence and rent out the current. Cash flow approximately 350 a month.

Option 2: Use the cash to buy land to build a 6 bed 4 bath duplex, all in cost approximately 300k/330k. 

Option 3: Pay large down-payment on modest rent ready house. 

Option 4: 20% down on 2 to 3 properties 

Also open to hear other ideas, I'm self employed so getting a lender can be a bit more difficult. I want to have a game plan in action prior to reaching out to lenders.

[Kerlous Tadres]

If you're just getting started, Option 1 is a safe way to dip your toe in you lock in rental income and get favorable financing on a new primary. But if your goal is to grow faster, Option 4 (20% down on 2–3 rentals) gives you better cash flow, spreads risk, and starts building your portfolio right away.

Option 2 (new build) has big upside but comes with higher risk, delays, and complexity better as a future play once you've got experience. Option 3 is solid for low-stress investing but ties up too much capital in one property. Since you're self-employed, look into DSCR loans or investor-friendly lenders who focus on property income over personal income.