@Scott Radetich Asset protection is determined by your tolerance for risk.

We can all have different tolerance for what we consider to be good and bad cashflow, it is also important to note that not all investment strategies emphasize cashflow.

Had to replace a garage door opener and a microwave so far, about $300ea  We’ll either move there or raise the rent in 2021 as we decide if we can tolerate the humidity to live on the water. 

The stuff heading towards West Grand and Linwood its a little more "Wild West".It all drive by cash on hand and risk tolerance.

If you are doing BRRR then the property is completely distressed - it will either be vacant or have tenants who will tolerate terrible conditions.

I hope you do, but unless you show them, it  is just a dumb debate with no end.So show the results or back down.See this is what I do not tolerate and this is how SEO companies  deceive clients.

I bought with a cash-flow on day-1 and could tolerate two vacancies before creating red-ink, so it's crazy to be penny-wise and vacancy foolish.I know there are those here on BP that harp on hobby vs professional business operations, but there's more to the bottom line than just GSI - - consider the opportunity losses created by vacancies.

In order to use your retirement fund for investing in Real estate, you need to: 1) Have an understanding of your risk tolerance: Knowing your risk tolerance is important when using retirement funds because it can determine how aggressive of an investment you want to make with your money. 2) Be mindful about taxes: You may be subject to income tax on any gains from investments, which could lead to a reduced return on your investment and/or taxes due at year end (if applicable). 3) Understand the withdrawal rules: If you withdraw money before age 59 ½ without penalties, the IRS requires that it be included as part of gross income.

Also, think about your risk tolerance and whether you prefer the stability of long-term rentals or the potential for higher short-term gains.

Some investors may use different percentages based on their risk tolerance and market knowledge.