The real risk isn’t leverage; it’s overleveragingPeople who get wiped out usually:• buy with no reserves• buy properties that don’t cash flow• rely on optimism instead of numbers• use short-term debt with no exit planYou’re already avoiding all of those.The safest + fastest combo:Finance all four, keep the $100K reserve, and snowball the smallest loan first.You get growth, you get safety, and you get control over your timeline without needing 30 years for freedom.

You want to make sure your strategy is optimized and works well with your current income and situation.

The right choice depends on what you’re optimizing for.

You’re spot on that deals under $5M get ignored or priced out, and that’s exactly where depreciation optimization actually moves the needle the most for active investors.

Through proactive tax planning and sound strategy, they can help clients lawfully optimize their tax outcomes.

Home-lender stocks have spiked, reflecting heightened optimism for origination.The Supreme Court is expected to rule as early as today on the legality of Trump’s emergency tariffs under IEEPA.

Insurances are always a bundle of different risks, each one has a limit and so it's like an a'la carte menu. 

It can work, but it’s capital-intensive and less liquid if assumptions change.Buy another property if:• You want diversification and simpler underwriting• You’re optimizing for scale, repeatability, and optionality• You’d rather deploy capital into a clean acquisition than a bespoke conversion• You plan to continue BRRRR or house-hacking as a systemThat’s a “build the portfolio” play.

If the objective is to chase the highest possible IRR, leverage combined with equities or leveraged real estate will almost always win.For me, this decision is less about optimization and more about risk alignment at this stage of life.

Usually because they've run the numbers and determined that its not viable or optimal to offer it.