When you combine those with house hacks you can have a pretty nice portfolio by the end of your 20s. 

The unemployment rate dipped slightly to 4.4%, which on the surface sounds positive.But the real story is under the hood.Payrolls for October and November were revised down by a combined 76,000 jobs, continuing a trend of initial overestimates being corrected lower.

Using ai's, to build ai's, who create custom GPT's, to create specific project focused functions.

If have access to the water shut off, make sure they know where it is incase they notice a burst.It's too late now, but going forward if you have any areas where pipes are exposed,  I would recommend heat tape combined with pipe insulation.

For a lawyer, that combination honestly felt rare.

It means the property is safe, functional, durable, and able to pass inspection without delays.Here’s what rent-ready actually means in practice:1.

He himself is an active investor in the City for years, does a lot of section 8 and market rentals, is a solid combination of analytical and boots on the ground so you would get insights as to what would work on paper and then the practical aspects of neighborhoods, scope of work, rehabs, etc.

I evaluated Westchester County as an investment option, but the combination of New York’s tenant-friendly laws and Westchester’s HCOL made it unattractive for me.

That, combined with risk, tells you a lot. 

Property overview (high level): Stand-alone commercial buildingLarger and more functional interior layout than the prior locationFully built-out commercial kitchen (hood, suppression, bar, etc.)Adjacent outdoor patio space already set up for dining (big upside)Comes with all FF&E includedNo residential component — pure commercial use  Deal structure (seller carry): Purchase price written at $1.2M~$1.0M attributed to real estate~$200k attributed to FF&E (included in the sale) Seller financing on $900kBuyer cash in at closing: ~$275kInterest-only period initially (no balloon language currently in the contract)Target hold: 5 years, then refinance into a 25-year commercial loan  Business context: The restaurant historically did ~$950k/year in revenueWe are owner-operatorsConservative projections show the business can remain profitable even with slower $1k days mixed inGoal is consistency, margin cleanup, and NOI growth — not aggressive expansion  What I’m hoping to get feedback on: Does this structure make sense from a commercial real estate perspective?