And he does not want to sell anything.So we did some quick math. 

How can I do the math to pay them both back?

We do the 20% math and think that an investor can buy a 200k house with 40k in cash.

I have been using AI to build comps of a new area, calculate my math when looking into an investment property, writing letters to investors, agents, PMs, and colleagues, as well as my business logo, business cards, and all of my business system setups. 

It's all math of I bought this "shelter", how much demand for "shelter" is there here. 

@Agustin Conti Do the math...

You're asking the right questions, especially around local vs. out-of-state BRRRRs.local vs out of state, how to decide: Staying Local Pros:Easier to learn the process hands-on (walk properties, meet contractors, see issues in real time)Faster response time when things go wrongSimpler team building — you can drive and shake handsCons:In high-cost areas like NorCal, cash flow and BRRRR math often don’t work unless you find a unicornAcquisition costs tie up more capitalARV jumps can be slower in soft markets Out-of-State Pros:Entry price is lower, so your equity can go fartherBRRRR-friendly markets (Indy, Ohio, KC, etc.) have stronger cash-on-cash returnsYou're forced to build a business, not a job (because you can’t do it all yourself)Cons:Harder to vet contractors and PMs remotelyIf something goes wrong, it's tougher to course-correct quicklyTrust is everything — and harder to earn at a distanceMany investors I’ve worked with start local for deal #1 or #2 to learn the ropes, even if the numbers aren’t perfect — then take that confidence and equity out-of-state to scale smarter.Others with super tight local markets (like the Bay Area or L.A.) will build a strong remote team upfront and jump right into affordable BRRRR markets, accepting that they’re learning from afar but making the numbers work better.It sounds like you’re just a step or two away from being ready — paying down that credit card and accessing equity is a solid move.

This math implies that the property is being purchased at a 14% discount to current market value. 

@Brett Richardson do your homework and talk to references before you commit to a program.

And some we really have to dig into, like figuring out the rent and the cash flow.Now, let's say you did your homework, looked at all these pillars, and decided a certain property was the one.