Quote from @Lauren Robins: The Federal Reserve is choosing to keep interest rates elevated despite falling inflation, strong job growth, and growing public pressure to begin cutting, because the risks of acting too soon outweigh the potential benefits.

Hi @Patryk Ziegler, welcome to BP and we are not that far away from each other as well, you've come to the right place to learn and connect with like minded people.

Thirdly, syndications, funds, and real estate are high-risk investments; saving money in a money market fund might make more sense until you are ready to purchase your own property.

This can slow progress or cause friction, especially if the partners have differing goals, expectations, or risk tolerance.

They own over 1000+ units and well over $120 AUM by now.

Just looking for some thoughts or maybe even a template that has worked well for one of you. 

This higher down payment is due to the increased risk lenders perceive with income-producing properties.As for tapping into your 401(k), yes, you can typically borrow up to 50% of your vested balance, up to a maximum of $50,000.

I will say that I am currently looking for new carriers as well as insurance rates here have gotten insane and most major carriers aren't writing many new policies; especially builders risk etc.

Whatever your investment path may be, two key pillars, tax planning and asset protection, are often overlooked, yet absolutely essential for building a sustainable and successful portfolio.It’s easy to focus on the thrill of closing deals, but without a solid foundation in these areas, your long-term success may be at risk.

I'm sure there are other risks as well.