Risk can be effectively managed by stripping out capex, working with tenant buyers rather than renters, avoiding rehab and structuring everything like the bank rather than the landlord.

From what I’ve seen both in my own investing and working with real estate investors who come to me for financing, there are several effective ways to acquire properties without a lot of capital upfront — but the key is choosing a strategy that fits your skill set, your deal flow, and your long-term goals.

Bill 399 went into effect July 1st, and I’ve heard everything from “no big deal” to “this changes a lot.”        

Quote from @Adam Macias: A 50-year mortgage sounds like affordability — but it’s really it'll be debt that never ends. lolOn paper, stretching a mortgage from 30 years to 50 lowers the monthly payment, yes.But in reality, you’re paying far more in interest while barely building equity for decades.If you buy a house at 25 years old if you're lucky, you'll be 75 when the mortgage term ends...It’s housing that feels like ownership but functions more like renting — just with a longer contract and a higher total cost.The real problem isn’t the length of the loan.It’s the affordability crisis that’s forcing people to consider lifetime debt as a solution.Until we address prices, wages, and supply, extending loan terms only delays the inevitable...The further elimination of the middle class chasing the American Dream of owning a home. 

If you want the lowest-risk path in California, yes.Hiring licensed contractors virtually eliminates Prong B issues because they are clearly operating a separate business.Many landlords still use handymen, but they’re taking on risk, especially if the handyman works mainly for them.Under $500 = okay for unlicensed handymanABC test = separate issue, and that’s where landlords get tripped upLicensed contractors = strongest protection against misclassification problemsIf you’re doing more than occasional light repairs, the safe move in California is to stick with licensed contractors or push the maintenance through a PM company.

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"Close to 85,000 U.S. sellers took their homes off the market in September, up 28% from September 2024 and the highest level for that month in eight years," and the Senior Economist was quoted in saying,  “When tens of thousands of homeowners pull their homes off the market rather than accept a low offer, it effectively reduces the supply of homes that are actually available for buyers.

With the uncertain of New York’s new Mayor increases taxes and Ron Desantis working on eliminating property taxes, I think Florida is a prime market in the near future!

Effectively, there is no such thing as data security anymore.

The big idea: lenders want predictability, not occupancy.House hacking only becomes a problem when:The investor is equity-based ANDYou remove income without replacing itIf you’re using private debt, house hacking doesn’t hurt them at all.If you’re using equity, just compensate for the missing rent.What most beginners miss:House hacking isn’t about the property cash flow, it’s about the personal cash flow delta.A deal that cash flows $500 less on paper may still put you $1,500 ahead monthly because you eliminated your housing expense.Investors don’t care about that benefit because it’s your benefit, not theirs.