Smart way to test a secondary market without betting the farm.

Is using a USDA loan for a future rental considered a smart move?

So here is a deal on a Pioneer - 50" Class LED 4K UHD Smart Roku TV.

Quote from @Shoham Gat: hello I have been learning a lot about the BRRRR strategy and Its seems like a great way to grow a wealth during the years as my goal is to maximize my capital in a decade from nowa main way if not the biggest to create the highest grow of my money is to have a good appreciation but as I was investigating where is the best market to invest i went to the macro appreciation for the last 3 years and even last year,(the last 10 years been amazing but a lot of bad changes went I the last years for the BRRRR investors such as end of corona, mortgage rate, insurance is some areas, many great years which create a fix now) and the numbers for median property unit were awful between negative to barely increasing (Zillow) so I stopped for a second to think, is the BRRR strategy is still a great way to start investing in 2026, I know there is renovation and force appreciation in the rehab and some places even good cash flow can create  good return on your money but still for looking to create the biggest wealth you need appreciation as a main key (correct me if I'm wrong) so would really appreciate some opinions and thoughtsHey Shoham, BRRRR still works in 2026, but you can’t rely on natural appreciation like in the COVID years—forced appreciation from smart rehabs and solid cash flow are key, and any market growth is a bonus.

I have capital saved for a strong down payment so just looking to be smart and strategic about where it goes.If anyone can recommend:Investor-friendly agents in Suffolk/Nassau CountyLenders who understand investment properties in NYInsight into what’s actually working in those markets right now (rentals, house hacks, value-add, etc.)I’d really appreciate it!

Value-add through smart capital improvements.Not “make it pretty.”More like: What improvements would actually justify higher rent? 

It is smart that you are trying to get your paperwork in order first.

Mehak Begemann, CPA - Owner @ RE Smart Advisors helped us do this for 2025.

In MN my fear @Mike Kirby was always that a “smart” investor could go to one of the owners that lost their property.

New investors often underestimate this part, so building in a buffer is usually a smart move.