Sacrificing some of your personal money & making payments is doable, & chatting with your CPA may be a solid option to carry over losses.

I’m also being more conservative with underwriting, paying close attention to cap rates, cash-on-cash returns, and potential long-term maintenance.

Your other option is when in doubt err on the conservative side and use someone licensed.

I encourage new people to use Hard Money Loans at the beginning.

All your questions about advice on financing and the local market can be answered here on BP.As you work to make and save more money, it couldn't hurt to begin speaking with friends and family. 

That means you can learn the fundamentals, start small with a single rental or duplex and then evaluate syndications with real operational context.You’re entering from a strong position - take your time, stay conservative, and the compounding will do its work.Always happy to chat more about what's worked for other investors.

I can’t see when or at what price you bought the property, but if this was a flip, I’d wager you’re either losing money or just breaking even.

How aggressive (or conservative) are you being with ADR for small single-family STRs in this zone?

If you’re restructuring a BRRRR deal or repositioning a flip, don’t just chase lower rates — look at how to structure the loan for stronger cash flow or faster execution.In my experience as a private money loan broker, investors who approach 2025 with a readiness mindset (updated docs, clear exit plans, access to alternative funding) are the ones who’ll capture the best deals as the market resets.Curious to hear how others are financing their pivots — are you tightening, holding, or preparing to scale?

Lock a tight buy box by submarket and vintage, underwrite to in-place income first, then model stabilized rents with conservative expenses and a true cap-ex reserve.