Travelling with the family in Oaxaca Mexico, incredible place, one of the important culturap states in the country where indegenous costums are preserved🤗.I am currently short the DOW and as of today slightly up on that option trade, my only open one as everything else is incrediboy unpredictable and volatile.I am excited to jump into Kai's course full steam when I get back, very excired about that.

Just be mindful of variable rates, and double-check terms like draw period and repayment structure.Since you're looking to grow a portfolio, preserving equity and liquidity is key.

Less volatile, fixed income funds are a great option when modest returns and capital preservation over the short-term are your goal. 

Examples include:Rate Buydowns – Use the credit to permanently lower your interest rate or lock in a multi-year buydown, improving cash flow immediately.Revenue-Critical Repairs – Fund upgrades that directly impact booking rates and occupancy for STRs (hot tub, furniture, curb appeal).Preserve Cash Reserves – Cover closing costs with the concession so your capital stays in your pocket for emergencies or expansion.The Bad: Illusion of a Better Deal - A $20,000 concession feels good—until you realize the seller simply padded the purchase price to make it happen.

Those Avantis ETFs one is international(avde) and the other is small caps(avuv).Its something different than s&p(small cap) and the usa(int'l).At this point RE is a wealth preservation not generator for the average folk.

Buying a house now as a form of wealth generation not preservation will only fit in a minute amount of people's profile.

@Lance Schmidt Yes, your parents can complete a 1031 exchange into a rental property and legally rent it to you, but strict IRS rules apply to preserve the tax deferral.

If they’re so hard pressed to preserve cash, why is the retreat in Puerto Rico?

I do have a partnership in a business, but that relationship takes significant time to develop and I have declined potentially lucrative partnerships due to questioning motivations and self preservation.

I'm in Massachusetts, I know it's not the ideal state for this sort of thing.Have:    House with low pre inflation mortgage rate and moderate equity    Expect that house would be cash positive if rented even with conservative maintenance and occupancy projectionsWant:    To buy a second house to live in while renting the first    To minimize the liability of my other assets from a renter    To not run afoul of my current mortgage holder    To preserve my low interest rate by not refinancing the houseObstacles:    Understanding if/how to put the current house in an LLC without violating my mortgage    Understanding if a trust is necessary or helpful (I have received contradictory advice)    Understanding the risks of any of this causing the bank to call the mortgageThank you for any advice you can give me