Is it worth continuing to look in ATL or should I consider other areas or out of state investing where the ROI may be higher? 

I sell and now that $2500 is $3000.If I were to continue to invest in this way ALL of my money it would compound significantly the more I did it.

Does this help your brand somehow or some SEO play?

I’m currently weighing whether filing Chapter 13 makes sense as a strategic reset, but I don’t want to unintentionally stall my ability to continue investing long term particullary when it comes to DSCR loans.I’d really appreciate hearing from people who’ve actually been through this or worked closely with investors who have.

If your goal is to pass it down to your kids, it may need to be viewed as a long term appreciation play.

My Concern This feels like a developing behavioral pattern: Failure to meet initial financial obligation (security deposit)Repeated late rentNon-payment of late feesVerbal assurances without performance From a risk management standpoint, this seems like: Cash flow instabilityHigh likelihood of future delinquencyPotential prolonged eviction exposure if allowed to continue Options I’m Considering Serve a final Notice to Cure / Demand for Payment requiring:Full security depositAll unpaid rentAll late fees…with a strict deadline before filing dispossessory. 

Then....I have a friend that makes 60K a year and she has 640K in her SP500 fund and continues to grow.

Keeping the current cash flow while acquiring the multi-family seems like the winning play if the numbers support it.

They purchased the cabin as a long-term play, fully realizing they will be in the red for the first few years. 

That’s where we’ve seen capital calls and some real losses.The operators who’ve held up best seem to be the ones who used conservative leverage, kept strong reserves, and didn’t rely on continued explosive growth in already hot markets.If supply continues to get absorbed and capital markets normalize, I think deals structured carefully over the last couple of years could look pretty smart in hindsight.