I’ve been seeing more investors use asset utilization loans lately, qualifying based on their liquid assets or portfolio instead of income or tax returns.For experienced investors or self-employed borrowers, this seems like a powerful way to unlock equity and keep scaling even when write-offs limit income on paper.Has anyone here closed a deal using this type of financing?

If you’ve been in real estate for a while, you’ve probably heard people talk about Real Estate Professional Status (REPS)— but most investors still don’t fully understand what it means or how powerful it can be.Here’s the simple version:If you qualify for REPS, the IRS allows you to treat your rental income and losses as active instead of passive.That means depreciation, cost segregation, and other real estate losses can actually offset your other income — even W-2 income.For full-time investors or spouses who manage their properties, that can mean tens of thousands of dollars in tax savings every single year.To qualify, you need to:- Must materially participate in their rental activities.- Spend over 750 hours a year in real estate activities.- And more than half of your total working time must be in real estate.It’s not for everyone — and you have to document it properly — but for serious investors, it’s one of the most valuable tax tools out there.Most people think wealth in real estate comes from appreciation and cash flow…But the biggest gains often come from how you use the tax code.Curious — have you or your spouse ever tried to qualify for Real Estate Professional Status?

Quote from @Bryce Powers: Hello,I work several jobs in Florida and also own a rental property here.

A lot of new investors overlook the power of ARV when securing funding.Experienced flippers know — your After Repair Value can make or break your deal terms.How do you calculate or present your ARV when talking to lenders or partners?

Everyone talks about the BRRRR method like it’s a formula — Buy, Rehab, Rent, Refinance, Repeat.But after working with a lot of investors, I’ve noticed one thing that often gets overlooked:The “tax” side of BRRRR.Most people focus on the deal numbers — the purchase price, the ARV, the refinance rate — but forget that how you structure and record those costs can make a huge difference down the line.For example:Tracking your rehab costs separately helps you depreciate correctly later.Timing your refinance can change when interest expenses become deductible.And keeping good records on improvements vs. repairs can save you thousands when you sell or do a cash-out refi.The BRRRR method is powerful because it lets you build equity fast — but if your books aren’t clean, you’ll end up leaving money on the table when tax season comes around.The investors who scale fastest aren’t just great at finding deals — they’re great at documenting them.Curious — how do you track your rehab and refinance expenses during a BRRRR project?

That’ll go a long way with potential partners.As for ChatGPT, I totally get what you’re saying, but I actually think people underestimate how powerful it really is.

For those unfamiliar, Claude Code is Anthropic's command-line tool for agentic coding - it's definitely more of a power-user interface compared to the standard AI chats.

In short, to achieve and maintain financial freedom.

Quote from @Adam Humes: Goal:I’m working toward financial and time freedom for my family by diversifying into real estate.

Partnerships can also be powerful if you align with people who bring complementary strengths, like capital, construction expertise, or deal sourcing.In my case, I started with buy-and-hold rentals, but now our co-investing club pools capital to partner on larger projects together.