It feels like momentum is starting to shift a bit rates are stabilizing, and more investors I’ve talked to are jumping back in with renewed confidence.Some are getting creative by combining private money with conventional or DSCR loans, while others are building solid relationships with lenders who can move fast.

Is there a company I can go with to take a loan out against my 401k as I have 2 from previous employer I need to combine to a new one which would be helpful if I could use that to pull cash against. 

Hi @Dylan Jashari, For cash deals, start by combining public data sources like county tax records, foreclosure filings, and code enforcement notices, into a central dashboard.

Personally, I’ve shifted towards a more balanced strategy, combining both short-term projects like flipping with long-term investments to hedge against market fluctuations.

Additionally, I’ve found it beneficial to use lockboxes with combination codes that can be easily changed between tenants or service visits.

My spouse and I make around $150k combined, we both have stable jobs, and we have a decent amount of savings.

I love the creative thinking in combining a 1031 exchange with house hacking, but if you sell your single-family rental and use the proceeds to buy a duplex where you live in one unit and rent out the other, you can’t defer 100% of the gain.If you move into one of the units, the IRS will only let you defer the portion used as an investment through a 1031 exchange.

If HELOC terms are weak, a small second or DSCR second can work, but stress‑test so your combined payments are covered by current rents with cushion for vacancies and CapEx.

Based inSan Diego, building a focused fourplex portfolio in Indianapolis.Investment Criteria:Target: 6-7 fourplexes by 2030Capital: $120K initial + $3Kmonthly contributionsStrategy: BRRRR with professionalteams (not doing work myself)Target neighborhoods: NearEastside, Martindale-Brightwood, Twin AirePurchase range: $180K-$220K with $50K-$65K renovation budgetsWhy Indianapolis: After analyzing 15+markets, Indianapolis offers the optimal combination of:Strong fundamentals (job growth,median income $71K)Abundant fourplex inventory atreasonable entry pointsLandlord-friendly regulationsSustainable cash flow with appreciation potentialSeeking Professional Relationships: 1.

Combining this with a respectful, low-pressure outreach approach usually works best.