Lenders do this to put you in first-loss position in the capital stack as well as to make it financially painful for you to walk away if things get tough.

We have been bullish and stacking gold since $300/oz, silver since $10/oz and Oregon Coast property since SFR's were $85K. 

I think if you have resources to fundraise with friends and family to co-invest in some long term investments that might be the way to go.

What we see are schemes stacked upon schemes, draining resources meant for those in need.

The market’s not falling apart, but it’s definitely finding a new rhythm after several years of wild appreciation.I’ll break down what’s happening right now with condo prices, how the 2025 summer rental season performed, and how values stack up compared with last year.

I could tell you the tools, resources and process but it's not that simple.

However, I could use some historical performance information on how this 4-plex method stacks up.

Love that you and your wife are focused on building a solid foundation — that mindset will serve you well.Books/resources: The Book on Rental Property Investing by Brandon Turner (a BP staple), and The Millionaire Real Estate Investor by Gary Keller are both great next steps.Buying rentals vs personal property: biggest differences are how lenders underwrite (they’ll look at rental income potential, reserves, and DSCR ratios), and how you should underwrite — run the numbers first (rent minus expenses) instead of buying on emotion.Getting started: a HELOC can work, but make sure you’ve got good cash flow margin so you’re not over-leveraged.

Build your credibility stack now: brief 1‑page story, sample underwriting, references, and a weekly update email to your network.

.: CC stacking is old hat.