Currently I have a 90% savings rate and what I consider a healthy amount saved to put towards emergencies.

Although, still not sure about the split.I already have: - healthy 401k and I contribute the max- roth IRA- I own my primary residence (have a mortgage) - I own one rental property (with a mortgage), which is cash flow positive- I also have $30k in savingsMy plan is to continue saving and start buying other rentals.

Stay healthy.

Favorable destinations, and healthy tax and STR climates.

The condo has a healthy HOA/Regime and was a conversion in the year 2000.

I'm not at all worried about making payments as I trust in my ability to produce income and I have a relatively healthy savings account for a downpayment of 3-10%.The lenders I have spoken with are saying that without a full 2 years of self-employment and tax returns, there isn't even a chance for traditional homebuyer financing.

However, I recently found out that 3+ units in Portland are subject to commercial building code which can be much more expensive than residential.The pros I see are only one property to finance/develop/maintain/manage and the potential for healthy cash-flow. 

We are very fortunate to have such a healthy real estate market! 

Hi Cayson,We have healthy amount of inventory here in Lubbock, I wouldn't say that there's a housing shortgage at all, in fact we have 3 1/2 months worth of inventory on the market at the moment. 

But I have had some success finding  a few that have lower minimums and provide healthy returns with a much shorter commitment timeline vs DSTs.