Hi @Stephanie RidgwayStephanie, this is a really thoughtful plan — you’re doing the hard part first (getting liquid) and then asking how to not mess it upA few things to consider:Separate the tax money from the investment money.If you already know there’s ~$266K going to taxes, that bucket shouldn’t take risk.

It appears agents are throwing investors in the same bucket as wholesalers and they’re missing out on a lot of opportunity.

The main things I'm looking for are a good APY (SoFi is currently at 3.6%) and the ability to section off money into multiple accounts or buckets.I tried Baselane but the advertised APY there doesn't kick in until you have 50k sitting in the bankI was thinking about Axos potentially but the bucket feature doesn't appear to be there and a bunch of people on reddit (I know) say it's the worst bank everBluevine is only 1.3% on the standard planDoes anyone have any thoughts or suggestions?

One 5 gallon bucket covers 2 1/2 roofs.

The same spendable math is interesting but I think this approach is myopic given that the math is theory since nobody truly knows what taxes will be like in the future PLUS there's much creativity that can come into getting money into the Roth bucket.

Next, create two buckets: a high‑yield savings auto‑draft every payday and a separate “deal costs” checking for inspections, EMD, and appraisals.

It allows them to have a very lean branch bucket and overall origination fee's. 

Leverage from existing rental can be a beautiful thing but pulling from the correct bucket is crucial.

Once you understand how each bucket depreciates, 5-year, 7-year, 15-year, 27.5-year, you start making rehab decisions differently because you can forecast the tax impact alongside the construction impact.On my side, because I run a decent volume of BRRRR and Section 8 rentals in Memphis, I’ve had to build a system that keeps everything tied back to the property’s basis and the future refi plan.

It’s more of a retirement tool but can serve as a secondary bucket if you’re thinking long-term.Investment Apps or Brokerage Accounts (like Acorns):These automate investing and can provide higher returns, but you’ll be exposed to market swings.