Thanks for sharing your thoughts Navid.

Those are indeed possibilities. However, I’d have some concerns around that path.

• With the ongoing pandemic, commercial real estate is more challenging as an income source these days (unless it’s e.g. large warehouses that can be used for large server farms and/or fulfilment center warehousing). In any case, a 10% return is probably on the high end of the plausible, and you have no asset-class or geographic diversification.
• Buying 4 homes for a total of $500k is feasible only in low-cost areas unless you take out mortgages, so I’m not sure if $45k of net profit, about $940 per property per month, after expenses is achievable there. Again, you have no asset-class diversification.

In short, these options may be possible, but I’d consider it a fairly high risk direction due to the lack of diversification and complete lack of liquidity if you happen to have a sudden need for a largish amount of cash.