He's deeply concerned about his investors' money and has even relocated to an area near the distressed properties to manage the situation directly.Do I think ODC is perfect?

The whole area is becoming a bit of a hub...Micron project, Saab building/relocating in east Syracuse, and then the local strongholds of Amazon, Lockheed Martin, and 3 universities and hospitals each.

In practice, most investors still end up using personal HELOCs for this reason, even when the property itself is held in an LLC.The bigger question for me is less whether 8.5% is “high” and more whether the next deal comfortably outperforms that cost of capital.

Choose a solid market in the midwest with tech growth and people re-locating.

One practical move this week is to underwrite one Fresno deal and one Indiana deal side by side using conservative assumptions and see which one truly supports your one door every year or two plan.Are you more focused on keeping things local for control or maximizing cash flow even if it means building a team out of state, and would you be using equity from your paid off home or starting fresh with leverage?

It’s something you use to protect and stretch capital, especially when banks are the bottleneck.If you already have cash, the most practical “creative” approaches tend to fall into a few buckets:Cash + leverage, not cash-onlyEven if you can pay all cash, using short-term bridge or DSCR-style debt lets you preserve liquidity for reserves, renovations, or your next deal.

What AI lets me do is talk, refine, clarify, refine again—until those ideas become linear, practical, and usable for other people.

It's rarely an issue in practice and from my perspective, there's really no reason why you wouldn't do that, if you can. 

I’m a practicing physician who recently started learning real estate more intentionally after relying mostly on traditional investing.My goal is to replace step away from call in ~ 10 years (or sooner) and eventually replace my income in 10-15 years.

The renters you attract tend to be more financially sophisticated or transition-oriented (recent liquidity event, business exit, relocation, or waiting on a custom build).Rent parity works better as a capital-preservation story than a monthly savings story.As you noted, the real sell is deploying or preserving $300k–$400k of capital, not saving money month to month.