With ~$90k to deploy and targeting $200–400 per door after true expenses, you’ll want to be very disciplined on market and buy box.

One thing that helped me figure this out - before you pick property type, get clear on your monthly cash you can actually deploy.

Lots of capital to deploy? 

A HELOC is a backup, not a replacement for deployable capital.• The duplex at 7.5% (≈6.6% after tax) is the least urgent problem in your stack.

That’s effectively a guaranteed return roughly equal to the mortgage rate (around 6.25% in your example).With the 30-year loan you keep about $1,200/month in extra cash flow, but the strategy only works better if that cash is consistently invested at a return higher than the mortgage rate.If that money just sits in savings or gets spent, then the 15-year loan would likely produce the better overall outcome because you saved a large amount of interest.The 30-year loan mainly gives you flexibility and liquidity earlier, which can be valuable if you plan to deploy that cash into other investments or deals.

It's more of an economic and deployment (including latency & power) issue currently.The biggest ROI for investors using AI today is answering 100% of inbound leads live, following up automatically (and relentlessly), and with a centralized platform - a continuous improvement loop.

Are you doing SD local flips or are you looking to deploy capital regionally?

Momentum often comes from how efficiently capital is deployed and reused.What strategies have helped you keep deals moving without stalling growth?

We had capital that we could deploy, which let us move unusually fast compared to the typical beginner investor.With that said, what I would tell you is that it would be much harder for me to pull off what we did in 2018-2021 in 2026.  

You can pull your capital out after year one, and unlike PPR, you don't have to wait two months for your capital to be deployed in the fund.https://www.marshallreddick.com/fund/marshall-reddick-mortga...