I’ve never been through this before...is my capital gain the entire sum of money since I’ve invested none of my own funds?

Capital growth market with low yields.)

If you want to find Lenders to provide capital to Investors for the purposes of acquiring, improving and reselling real estate (SFRs, MFRs, Commercial), visit these websites:https://www.scotsmanguide.com/Residential/LenderSe...https://privatelenderlink.com/Both websites allow you to search for local lenders in your Cities / States.Most of the lenders there will more than likely approve 80-85% Purchase + 100% Rehab CostsTypical costs right now are ~10% Interest and ~2 points1-year term, interest-only, no pre-payment penalty.

@Chris Petzy ETFs put your capital at risk so it depends on if you're ok with said risk.

A lot of these homes are older and your on paper 2-3% rule can easily disintegrate with capital expenditure and/or eviction/turnover. 

And then f the HOA fees are ridiculous, then selling it capital gains tax free who save you money in the long run, more than making up the legal fees.

You can make a profit now and the rents don't provide enough of a buffer for future capital expenditures.

Now I'm not a CPA or tax attorney so this is just my understanding, please consult with appropriate professionals but if you were to live in it as your primary residence than you should be exclude from long-term capital gains up to $500K  (for a couple) of profit when you go to sell it, not sure what your intention was on length of time that you two would live there or desire to sell it down the road.

And my answer is - if you are pooling capital - never.

Hey Alexander, I recommend Kareem Baldwin, he is a terrific broker with Atlantic Home Capital in Farmingville, Long Island.