DSCR) to see which gives better leverage and long-term flexibility.Happy to share what I’m seeing in today’s market if helpful.

And looking back, would you still use leverage from your home the same way?

Listing states that it generates $60k annually, but I think it can be closer to $70k.How do I leverage my father in-laws home, my equity, my VA opportunity, and try not to touch my cash OR relocate my family?

The point is if done right, you will have 10 free & clear properties, or very low leveraged. 

We’re currently focused on paying down what we consider relatively high-interest loans (around 9% with insurance etc.) on our existing properties rather than aggressively leveraging into new acquisitions.That brings me to the question we've been thinking about a lot lately:Has anyone here successfully scaled a real estate portfolio while taking more of a Dave Ramsey–style approach (lower leverage, prioritizing debt payoff)?

Primarily for Hard Money FixNFlipsIf you have anything to add or any feedback please let me know.Borrower & Experience    Experience Required    Minimum Credit    Pre Approval - Soft or Hard Credit Pull    Minimum Bank Balance    Out of State Investor OKLoan & Leverage    Minimum Loan Amount    Time to Close    Max Purchase LTC    Max Rehab LTC    Cross Collateral for Down Payment    ARV Limit    Rehab More Than Purchase Price OKRates & Terms    Interest Rate    Interest Only    Loan Term    Early Payoff Penalty    Extension Term and Cost    Interest on full loan or Balance DueFees & Closing    Origination Points    Lender Doc Fee    Appraisal Fee    Other "Junk" Fees    Closing 100% RemoteRehab & Draws    Draw Method (App, Inspector)    Draw Inspection Fee    Wire ACH fee on Draws    Funding Draw Speed    Minimum or Max # of Draws    Permit Required for DrawState Specific    Right of Redemption Lending

I already own a home and have built some equity, and while I’m still learning how to best leverage it, I’m excited knowing this is just the beginning.

Ideally, we would like to leverage the land as collateral rather than inject additional cash into the project.We’re looking to connect with lenders experienced in similar residential development projects who are interested in moving quickly.

It is a rare underwriting that shows a property is likely to produce better return unleveraged than highly leveraged.  

Jeremy, this is a legitimate wealth-building strategy, and you're thinking about the tax and leverage angles correctly.