The 30-year fixed rate today is 5.77%.This time last year it was 6.87%.That 1.1% drop translates into roughly $35,000–$40,000 more purchasing power for a buyer with a $3,000/month principal and interest budget.Same income.Same credit.More house.That’s a meaningful shift in leverage.When affordability expands, opportunity expands with it.

Most of my rentals are in Pennsylvania, where I use the local Apartment Association for running rental applications and they do a great job.For my multi-family in Missouri I use (or should I say used) Transunion Powered by Asurint. 

And that’s the foundation of the “Power of 10” framework I now teach clients.

The tree was embedded in power lines, which posed a safety concern, and we wanted to convert the area where the tree was into a parking space, as parking is very limited, and both of our neighbors park on their property in front of their houses.

That remark made us realize the power we held in negotiating terms that aligned with our goals.Negotiation isn't just about accepting what's given.

And even if financing is available, the risk level is significantly higher.The Risk of Starting Too BigMultifamily investing is powerful—but overextending on your first deal is one of the fastest ways investors get into trouble.Large properties come with:Higher operating complexityLarger capital requirementsTighter lender oversightLess margin for errorOne unexpected expense, delay, or vacancy issue can quickly strain your reserves.Why 2–4 Units Make More SenseIf you’re just getting started, 2–4 unit properties offer a much more forgiving path.Benefits include:Residential financing options (more lenders, easier qualification)Lower down payment and reserve requirementsSimpler property management and operationsThe option to house hack and reduce living expensesA manageable way to learn rehabs, leasing, and tenant managementMost importantly, smaller deals help you build a track record—the key to unlocking larger opportunities later.Build First.

A lot of prospective investors, especially newer investors, are usually put off by inheriting tenants with below-market rents. And while it makes perfect sense why — especially if their leases are locked in for a long...

Unexpected capital expenditures are what usually destroy returns. 3.

I have owned for about 10 years but things have changed quite a bit and I have a few unexpected vacancies.I look forward to engaging more with this community.

What finishing-stage costs tend to spiral unexpectedly?