Happy New Year, Happy New Beginnings! 2026 is here let’s embrace it with love, peace, fresh starts, and renewed hope for everything ahead. Wishing everyone a year filled with growth, clarity, and positive new beginnings 🌟

Hello everyone. I'm Michelle - originally from SoCal and living in NYC now. I have an LTR in Anaheim, CA, an MTR in Astoria, NY and working on another MTR in Arverne, NY... if my contractor will ever finish! It's been over a year and such a harrowing ordeal. We're hopefully going to be done in January. Once I get that up and running, I'd love to relax a bit and do some passive activities like PML or syndications. Then once I recover I'm looking to do another big renovation and an ADU. Looking for PML learnings... TIA!

We have an LTR in an area with higher than normal appreciation (SF Bay Area) so ideally I'd like to hang onto that property if possible, but I want to use the equity to buy something else also. Is it better to cut ties and do a 1031 exchange, try a cash out refi or do a HELOC? The thing that's making this a hard decision is we currently have a fixed 2.65% rate on it!