If you consistently make these extra payments, you can pay thirty-year loans down much, much quicker than thirty years.

Bank statements are a good start, but ATM/Zelle deposits need a little extra vetting.What we typically ask for:Last 3–6 months bank statements (sometimes 12 if it’s borderline)Last 2 years tax returns (or at least most recent) + Schedule C if applicableProof of active business (license/website/insurance/invoices)Landlord references + rent payment history (this matters a ton)Big thing for me is: do the deposits look steady and repeatable, and do they have enough cash reserves after bills to comfortably cover rent.If the income is there and it’s consistent month to month, self-employed doesn’t scare me — you just want to verify it the right way.

Now, the next purchaser will have the redemption price tag of the earlier purchaser's liens added to the next purchaser's price tag.

Second is loan paydown where your tenant is paying down your mortgage every month adding to your equity.

Better bang for your buck - chances are higher of getting some extra cash in your pocket every month once fully stabilized. 

No worries as I just mention this as there have been companies that paid for ads on BP and ended up not going well and people were rushing to blame BP.

At this stage, the focus should be on tax efficiency and scalability, not just adding doors.

Focus on properties that may be overlooked perhaps those needing smaller, less expensive updates like adding another bedroom, improving functionality, or improving curb appeal.Investing remotely could also work, especially if you target markets with better cash flow potential and less competition.

Don’t completely ignore retail transactions.Even if investing is your goal, helping a few buyers/sellers builds cash flow and relationships — and many of my best investment opportunities came from people in my sphere.Since you’re working full time (I did as well when I started), I’d recommend:Find a brokerage with low pressure on production.Join or align with a small investor-minded team.Spend your extra time underwriting deals and networking with actual operators.If you want to share what market you’re in, I’m happy to give more specific guidance.

Is it worth just contacting another STR owner and gauging their interest in adding to their portfolio?