I have also been in the federal sector for nearly 15 years and am now wanting to build a portfolio for long-term (supplemental) income and early retirement.• I have research in various area such as Memphis, Cleveland, St.

I used lending to supplement my Brokerage activity did both at the same time.

My goal is to use some of this money to supplement investing.

For a beach 2/1, I’d lean cooktop + dishwasher and supplement with a good countertop oven/air fryer.

Those can supplement your cash-flow markets—because building equity and having access to it is what really helps you scale long term.No special tips or tricks—just keep taking reasonable action and you’ll be surprised how much you can accomplish.

Does the loan allow for a Supplemental loan down the road?

I do not believe anyone is using your reserve model (including those without income stream to supplement the negative cash flow) but I will admit some (maybe many) are using a reserve model that may be aggressive.  

IE - if Berkadia originated the loan, you can pick which banker at Berkadia you want to use for the loan assumption / 2nd lien supplemental loan. 

A Freddie Mac loan could work but as a supplemental loan but that supplement would need to be greater than 1 million.

Pitching real estate, crypto, supplements and overdone testosterone from the prison yard.