Quote from @Adam Macias: A 50-year mortgage sounds like affordability — but it’s really it'll be debt that never ends. lolOn paper, stretching a mortgage from 30 years to 50 lowers the monthly payment, yes.But in reality, you’re paying far more in interest while barely building equity for decades.If you buy a house at 25 years old if you're lucky, you'll be 75 when the mortgage term ends...It’s housing that feels like ownership but functions more like renting — just with a longer contract and a higher total cost.The real problem isn’t the length of the loan.It’s the affordability crisis that’s forcing people to consider lifetime debt as a solution.Until we address prices, wages, and supply, extending loan terms only delays the inevitable...The further elimination of the middle class chasing the American Dream of owning a home. 

A lot of investors here are combining BRRRRs with small multi-family or turnkey SFRs to keep capital recycling efficient.

🚫 Not worth splurging on:Fancy wall art (most guests barely notice)Premium cookware (unless targeting execs)Expensive rugs or decor piecesFocus on comfort and function — not Pinterest.What’s one item your guests always appreciate that you didn’t expect?

One thing to discuss with CPA and or attorney is having the capital contributed be a combination of debt and equity.  

Our first two projects were conservative by choice and combined yielded in excess of mid six figure return. 

How rare, with a combination of good screening, good management, and luck my family that has had rentals since the 1970s has never had an eviction and never done cash for keys.The housing shortage creates good tenants that pay their rent (as evidenced by both the delinquency rate and eviction rate).  

The kiss of death for each of those was raising a lot of expensive private equity and combining expensive debt, forced high growth, and bad real estate decisions that come with forced high growth. 

Hi @Dylan Jashari, For cash deals, start by combining public data sources like county tax records, foreclosure filings, and code enforcement notices, into a central dashboard.

According to recent Fannie Mae calculations,it will take one of three things, or a combination of them to get back to affordable housing in America:Housing prices would need to drop 38%Median household income would need to rise 60%Mortgage rates would need to fall to 2.35%This widening gap is why creative investing strategies are becoming more important than ever.

Personally, I’ve shifted towards a more balanced strategy, combining both short-term projects like flipping with long-term investments to hedge against market fluctuations.