Neighborhood selection and buying right are the biggest factors right now.

As I map out this long-term strategy, I want to make sure I structure the portfolio correctly from the beginning rather than having to unwind things later.My main question is around entity structure.

The biggest factor that slows them down is usually HOA fees or financing limitations rather than the property itself.2.

A 2.75% FHA loan from 2021 is extremely strong financing, so the main question becomes whether the benefits of the refinance outweigh giving up that rate.A few things to think through based on what you shared:1.

The main constraint here is the FHA loan limits.

That said, I’m still underwriting responsibly with reserves for CapEx, maintenance, vacancy, and management (8% each).The problem is: almost every deal ends up with negative cash flow and negative cash‑on‑cash return once I factor in those reserves.

That’s a really good question, and it’s something many newer investors are thinking about right now.With the BRRRR strategy, most investors don’t rely mainly on market appreciation.

In many states, wind or hail may already have a separate percentage deductible, so increasing the main deductible may not change the biggest risk exposure anyway. 

Last year I made about $80k before taxes, and my main goal this year is to save $25,000 to go towards my first investment property that Lord willing I will buy next year.I can't remember where I saw this but this was the strategy they provided (I believe in the context of a BRRRR):- - - - - - - - - - - - - - - - - - - -Down Payment: 20% of purchase priceRehab Costs: $25,000Closing Costs and Fees: 5% of purchase priceHolding Costs: Property taxes, insurance, utilities, and interest during rehab $3,000Contingency Fund: 15% of rehab costs- - - - - - - - - - - - - - - - - - - -This sounds great in theory, but based on real experience does anyone have any recommendations or revisions to this?

The main things lenders will look at are the rent projections, property type, and overall DSCR of the deal.At this stage it’s definitely worth connecting with a few lenders to see how they would structure it.