Quote from @Santos Lopez: I heard that there's a way to deduct short term rental losses against earned income (e.g.

The BEST method for real estate investing is very simple: increase earnings, reduce expenditures, save, and invest from your own funds.You should focus on increasing earnings and learning how to manage your budget.

You are talking about devastating tons of families lives that spent a long time earning that money.

If you have money to invest - I'd personally invest in the stock market right nowThe alternative to generating income is reducing expenses.

You seem to have a bug up your butt about hard money versus private money, @James McGovern, as it seems to be your favorite topic.

How much do you earn a year?

My preferred money market is still much higher than that rate,   S&P.  

Lets say with the refi you would cash flow 12k a year and since you had to put  20k down you'll earn that money back in 2 years.

Quote from @Nicole Claibourn: Investment Info:Single-family residence private money loan investment.

This will help you keep more of what you earn.