This maintains a healthy 25% equity cushion in the property, which protects you against market fluctuations and keeps your loan options and rates the most favorable.Let’s do some quick math based on your numbers:Your net income is fantastic.

Are you investing for the lifestyle that it can bring, or are you wanting to scale up to a major player?

I didn't get the impression it was a mega hub of corporate lifestyle.

They promote a lifestyle versus how to actually do something. 3.

A lot of investors in Oregon end up buying out-of-state for their first few rentals and keeping Portland for lifestyle, not investing.If you’re interested in small multifamily look at landlord-friendly, lower-cost markets where the numbers make sense from day one - places like:Columbus, GAAkron / Canton, OHBirmingham, ALParts of TXMemphis, TNThese markets offer better rent-to-price ratios and long-term tenant demand.If you’re exploring syndications the key is understanding sponsor experience, fee structure, exit timeline and whether returns are cash flow now or appreciation later.Best next step: underwrite at least 5–10 deals before investing in one - you’ll see patterns quickly. 

In 10–15 years, I’d love for real estate to fund my lifestyle. 

Your lifestyle matters just as much as the numbers.7.

My partner was younger and had a bigger "why" - young wife, two small kids and the need to leverage while I was going to make more than enough to sustain my lifestyle with my own (much less stressful) efforts.

Inventory is creeping up, days-on-market are stretching, and buyers are behaving differently than they did during the peak frenzy.For investors and move-up buyers, this shift opens the door to opportunities that didn’t exist even a year ago.More Inventory = More Rational OffersEven in a still-healthy market, more inventory instantly changes buyer psychology.

With Valley View Hospital, Colorado Mountain College, and Aspen Ski Co nearby, you get a healthy mix of traveling nurses, seasonal workers, and professionals on contract.Plus, its proximity to Aspen brings overflow demand during peak seasons.