Whether to refi higher depends on your goals and risk tolerance.

Flipping might be a better fit locally if you can find the right deal.The UK is more investor-friendly with financing, but the higher interest rates can eat into cash flow or margins.If you're aiming to scale faster, the UK might be the move.

That means you’re carrying debt longer and exposing yourself to more market shifts.Profitability can be higher if you’re in a strong market with limited new inventory, but it really comes down to your goal and your team.

I highly recommend taking full advantage of the fantastic tools that this platform provides.What are your overall Real Estate goals?

@Cody M.it's a good question, but it's difficult to answer because it depends on your goals, risk tolerance, timeframe, access to deals, and many other factors.i do both, i invest in index funds and buy real estate directly. 

If you apply creative strategies day 1 cash flow can happen even faster.  

I’m following up on Stephen’s advice and want to share our plan in a clearer way:Our Plan: Form a 50/50 Family Holding LLC owned equally by my mom (Sarah) and me (Jay).Set up two new single-purpose LLCs under the Holding Co.Transfer our four existing rentals into those two LLCs (two properties each).Leverage equity in those LLC-held properties to fund down payments on two more rentals.Example:We have one property worth $300K with no debt.We do a 70% LTV cash-out refinance → $210K in our Holding LLC bank account.We use that $210K to fund 20% down on roughly $1M worth of new rentals.Why we’re doing this:Scale faster by pooling equity and borrowing against the entire portfolio.Maximize tax benefits through pass-through deductions and accelerated depreciation.Protect assets with clear LLC liability shields around each property.We’re looking for:Feedback—Does this structure make sense, or are we over-complicating things?

I’m just starting my real estate journey and will be sitting for my license exam in the next two weeks.My main goal is to break into the investment side of real estate by finding off-market properties—whether to wholesale, wholetail, or rehab and flip.

Nothing kills trust faster than shifting numbers.

Excited to see recent grads diving into real estate with such clear goals.