I've done over 20 transactions consisting of healthcare medical outpatient buildings, multifamily, sfrs, and adu developments.

As net worth and success increases you realize that TIME is your most valuable asset along with FREEDOM.

One of the books I've read that I'd recommend if you haven't already: The Multifamily Millionaire Volume I: Achieve Financial Freedom by Investing in Small Multifamily Real Estate by Brian Murray and Brandon Turner.

I did not have to be concerned with any future tax liability down the road - this money was mine “free and clear”.By all means investigate options, but there is value in simplicity and freedom with having cash in the bank.One potential option would be after paying for your new house, invest the rest of the cash in commerical RE, do a cost seq, and take the 100% bonus depreciation.

PetePros:You lock in your own housing cost and start building equity.If your job situation changes, you could convert it to a rental later.Florida still has solid long-term appreciation potential.Cons:With your budget, you’ll likely get limited cash flow - and might even go negative after taxes, insurance, and maintenance.If you move, managing or selling could get tricky.This route makes sense if you’re certain you want to stay in the area long-term or you find a home that could double as a strong rental later.Option 2: Keep renting and invest out of stateThis is the path many people take when local markets don’t make financial sense.With $100K, you could easily get into a few cash-flowing rentals in affordable markets - like Memphis, TN, where I’m based.Here, homes in solid working-class neighborhoods still trade in the $100K–$150K range, and rents often fall between $1,100–$1,400/month, leaving healthy margins even after property management and expenses.If your goal is to start building a rental portfolio, investing out of state now might actually accelerate your path to financial freedom more than locking all your money into an expensive primary home. 

I always plan and want to make money towards financial freedom.  

Let’s achieve financial freedom together!!! 

How long has Capitol Square and Inspired Healthcare been around?

That’s how we reshape what real estate stands for.Wishing you flow and freedom as you plan your next steps — and if you ever want to share how the European strategy unfolds, I’d love to learn from your experience.

With the right mindset and a bit of financial discipline, you truly can achieve financial freedom through real estate, potentially in around 10 years.