Challenges?

I’m not perfect, but I’m hungry to keep learning, improving, and building sustainable success.Right now, my biggest limitation is capital.

Every investor hits that point where personal capital can’t fuel the next stage of growth.When that time came for you — what type of financing made the biggest difference?

The three big challenges are financing, zoning, and room size. 

You can create wealth with either approach but both approaches are more challenging than in the recent past.At this point I mostly seek highly desired property locations such as beach or lake front, Mountain cabins, bonus if they are near a destination such as national park of monument or other tourist attraction, etc.

2025 is shaping up to be one of the biggest years for real estate tax planning.The new tax bill quietly changed a lot — some great news, and a few traps to watch out for.Here are the big ones investors should know:1. 100% Bonus Depreciation is back — permanently.

I’ve found that with note investing, the biggest shift from property investing is really digging into the borrower's story and the asset’s legal standing.

Target a Class B SFR rental and don't try to buy an odd property.You'll have enough of a challenge learning the basics and won't need to layer other issues on top!

Quote from @Eduardo Cambil: Hey everyone 👋I’m currently expanding my portfolio into small multifamily properties (8–12 units) using DSCR loans.Here’s the type of deal I’m focusing on:Purchase price: around $300KUnits: ~10Rent per unit: $600–$700Light rehab: $50K–$70K maxMarket: Midwest / Southeast (good Section 8 demand & solid cash flow)The challenge, as many of you probably know, is covering the initial 20–25% down payment.I’m looking to connect with private lenders or bridge-loan partners who can finance that gap — ideally interest-only for 12–18 months, secured by the property or a promissory note, until I refinance through a DSCR loan and pay them back in full.I’m also open to equity partnerships where we structure a fair split before the refinance (e.g., short-term joint venture).If anyone here:Has experience structuring this type of creative financing,Works with private investors or firms that do down-payment bridge loans,Or can share contacts of reliable private lenders who work with DSCR investors,…I’d really appreciate your guidance or introductions.

Coverage for a South Florida STR home is challenging to say the least!