If your investments are expected to create large enough losses, there’s a strong chance you can use them against a big portion — or even all — of your W-2 earnings.

The weighted average rate of return would depend on the ratio of balances for the 1st mtg and 2nd mtg HELOC.I do the same weights to properly balance stock portfolios and real estate to figure out how much weight or equity weight we have in each property and location.

Does my wife's REP status allow me to deduct passive losses from the 2 rentals properties against our active income, or does the fact that she does not materially participate in managing the rentals prevent us from doing that?

If one spouse qualifies for reps and materially participates in the rental activity, then all the rental activity should be eligible to write off any losses against active income to better help, can you describe how your mom is a real estate professional?

Oh...and another thing...realtors get a lot of hate and 95% deserve it, but if you are investing and get the right agent that really knows their stuff, they can be worth their weight in gold.

A good one can be worth their weight in gold. 

I’ve been analyzing different notes lately and noticed pricing varies widely depending on LTV, borrower history, and property type.Curious how other investors here set their pricing models.What factors carry the most weight for you?

And how much weight do LPs place on strong financing terms—both leverage and interest rate—when evaluating a deal? 

I’d put more weight on real comps and rental demand.If you want, shoot me back the zip code or general area and I can help you check the numbers.

My PM is worth their weight in gold.