Also, if in the future you want to tap into the extra equity (the one you put in or from appreciation) you can always refinance.You could also try to find the lowest down payments and be able to buy more properties but you'd be squeezing your cash flow.

When linking BP National Account to your HD Pro Extra account does your status actually change to Elite, or do you just receive Elite pricing on certain items?

Take all that extra money you were going to dump into buying houses and save it instead.

This provides extra peace of mind in case your upleg does not work out or the seller or lender will not deal.4) Truly retire for real estate ownership.

The extra advantage is that some markets have reliable off-market opportunities, which means less competition and more control over your first investment.It’s a great way to start building a foundation, test the process, and scale without the stress of high purchase prices or relying solely on local boots-on-the-ground.

Bank statements are a good start, but ATM/Zelle deposits need a little extra vetting.What we typically ask for:Last 3–6 months bank statements (sometimes 12 if it’s borderline)Last 2 years tax returns (or at least most recent) + Schedule C if applicableProof of active business (license/website/insurance/invoices)Landlord references + rent payment history (this matters a ton)Big thing for me is: do the deposits look steady and repeatable, and do they have enough cash reserves after bills to comfortably cover rent.If the income is there and it’s consistent month to month, self-employed doesn’t scare me — you just want to verify it the right way.

You’re earning about 4% on “your” $700k in equity.

When you guys succeed, recommend volunteering to speak to those that were in your shoes, to inspire them to pick a better path also:)Kevin, your biggest challenge will be earning a living while you learn. 

Bilt 2.0 Card announced you can earn points on non commercial mortgage payments. 

Learn while you earn.