I also didn’t have an AED, even though I was making decent money as a student.After those fails, I decided to put most of my cash into stocks, crypto, and ETFs.

I’m not sure whether I get another one, invest in the stock market, up my 401k, borrow from my 401k for said property, just save all the money I can for another down payment and wait a few years for my next one…?

Stocks - totally liquid.

These rates of return surpass what bank-provided bonds and stock dividends offer.

This brings back memories from 1999/2000 when I was investing in internet stocks and basically lost 90% of my capital (if you think only a totally green rookie could have lost that much, I would agree with you).

Housing Market Cracks Widen: Top Siding Company Suffers Worst Stock Collapse In 50 YearsJames Hardie Siding generates about 70% of its revenue from North America.

Honestly, every day I'm trying to run the numbers on ChatGPT to see if I should just stick with stocks.

New builds or Properties in say Vegas with super low prop tax's and desert environment will be less.. but mid west upper mid west with snow  grass that grows like crazy old housing stock.. cost are more.I personally have zero interest in rentals at this stage of my career..

It's like receiving dividends from a stock you invest in.  

There's a copycat website like theirs, with same info but "differen"t, and using stock photos for their team members profile pic, changing the names of the team members slightly...