I've become discouraged and heading into 2026 I want to fire myself up again and get encouraged and close on deals again.

I would encourage you to NOT pay off the primary home.  

I encourage everyone to do their own research and exercise caution when approached with investment opportunities through private conversations.Someone approached me online saying she is a real estate broker.

@Erwin McClain - I would encourage you to speak to 5-10 regional banks and credit unions.

That said, in the real world, it’s often smarter to encourage a clean break rather than spending good money trying to collect from someone who may never pay anyway.Note: This information is for educational and informational purposes only and does not constitute legal, tax, financial, or investment advice.

*Encourage tenants to use Zelle, Venmo, Paypal, etc. 

On the other end, are ways to do a cost seg that are cheap (possibly free) but are very risky if you try to use them in defense of an audit.I'd encourage you to read IRS publication 5653 starting at page 26For SFR, most companies don't do a true full-blown engineering study. 

But I know I need more and to have the network offered as well as the encouragement. the boat club I joined:  yes.

Before you leave your current primary residence, I'd encourage you to get a HELOC.

Your thoughts are welcome and encouraged.