Hey @Zeni Kharel - A good time is whenever there's a meaningful change in your financial situation.

My goal is to provide value to the community, spark meaningful conversations, and serve as a resource for anyone considering real estate opportunities in the region.If you’re interested in learning more or exploring specific listings, feel free to reach out.

It would also hedge your risk that rates do not drop meaningfully, which is just as likely as rates coming down.Using your logic that rates are certain to drop enough to justify a refi within the next year, you should be taking a higher, above-market rate in return for a lender credit, rather than paying extra (through the opportunity cost of the lender paid temp buydown) for a lower rate.

Local market dynamics: Are rents high enough to generate meaningful cash flow?

He will cover our $15K/year family health insurance if I step away from my job.We have three young kids, and being home with them — while also focusing on our real estate — would give our family more flexibility.For 2024, we have about $30K in passive losses that will roll into 2025.Our plan is to continue acquiring properties and utilize cost segregation to accelerate depreciation.Most properties in our area range from $400K–$600K, so each acquisition will likely generate a meaningful paper loss with bonus depreciation.does this sound like a sound strategy?

That book is a great spark to get moving.

I also really admire what you’re doing with Spark Rental and how you make real estate investing accessible in your market.

He's Still Paying the Mortgage on His Ex-Girlfriend's $350K House—And Has Zero Legal RightsA viral financial horror story exposes the dangerous pitfalls of buying property with an unmarried partner—and why legal protections matter more than romantic trust.A recent YouTube short from financial content creator Caleb Hammer has sparked widespread discussion about one of the most costly mistakes young couples can make: buying a home together without proper legal protections.The story, which has resonated with thousands of viewers, centers on an unmarried man who contributed to purchasing a $350,000 house with his girlfriend, only to discover he had zero legal ownership when their relationship ended just months later.https://news.yahoo.com/news/finance/news/hes-still-paying-mo...When Reality Hit HardThe relationship deteriorated rapidly after the home purchase, with the couple breaking up after living together for only a couple of months.

If everything’s clean and documented, yes, this setup can lower your taxable income meaningfully, even with your $230K salary. 

Investing in syndications, with thorough diligence, yields a higher return over time than the stock market by a meaningful margin.