No. Dalia explains that she has seen portfolios with hundreds of doors generate poor net results because the owners are burnt out and trapped managing operational complexity, while smaller portfolios of 10-15 properties can generate consistent monthly cash flow when properly structured.
Dalia recommends using bi-weekly accelerated payments on a 30-year mortgage, which effectively reduces the amortization from 30 years to approximately 26 years without significantly changing the monthly payment amount.
According to Dalia, wealthy investors often reduce their portfolio leverage to 50-60% loan-to-value after an asset accumulation phase, which creates very healthy cash flow and a cushion of equity for opportunities or generational wealth transfer.
No. Dalia advises against letting mortgages linger for 30 years and suggests investors should have a long-term objective to burn mortgages within about 10 years using strategies like allocating flip profits toward accelerated paydowns.
Dalia argues it is better to 'go deep' by being intentional about portfolio structure, leverage, and mortgage life rather than 'going wide' and simply increasing door count and complexity without a solid foundation.
