If you buy in an area that is going to appreciate well, principle paydown never really accounts for even a quarter of your capital gains, and that's if you carry the whole 30 year note for the whole 30 years.

Would love to hear how you’re all adapting, especially with so many market shifts happening this quarter.

For portfolio health, cap your exposure per sponsor/market, keep a simple dashboard of distributions vs pro forma, and do quarterly check‑ins to re‑underwrite assumptions and decide hold, add, or pause.

Quote from @Sylvia Castellanos: A year ago I bought two quarter acre vacant lots in Villa Ridge located within a few feet of each other around the intersection of Lavonna Drive and Lynn Drive with the intention of reselling them.

Most forecasts are pointing to gradual, modest cuts over the next few quarters, not a rapid drop.If your current rate is significantly higher, a streamline refinance could still make sense now — especially if it doesn’t involve a full re-underwrite or appraisal.

Look at comparable rentals, property taxes, and calculate an increase that's a quarter of the difference (if they're way below market).

@Case Mccarthy Could set up a google sheet (+ recurring cal invites) - Make sure each property has its own cadence: lawn every two weeks, weeds monthly, gutters quarterly, etcEvery vendor sends me timestamped photos after each visit.

I know it's basic but 425 rental properties in doing this on a quarterly basis for every property had increased cashflow a ton over time

My fee is $10 per quarter that I have the money borrowed.  

Ideally, I would love to invest locally and plan to at some point, but the math right now makes the Midwest appealing for the following reasons.My income comes in through larger quarterly dividend distributions, so the strategy I’ve been considering is using those to acquire 1–3 small multifamily properties (2–4 units) each year in solid B+ areas.