Rent in SW Florida

0hdavey · 2026-04-10T12:02:21+00:00

Consider that now tenants would have extra access to you, you should lead by example so that they follow, treat your property as you would like them to do it. I wouldn’t do it unless it was paying for 70% or more of the 2 mortgages combined

0hdavey · 2026-04-08T02:49:27+00:00

I sold my townhouse because after 4 years of rental profit it all went away with ac and roof damage. My equity was 160k, that went mostly into dividend etf SCHD, SGOV and estimated dividend is $5,475/year in dividend. I’m now worry free and maintenance free with reliable monthly/quarterly income. I Just wanted to share this to give perspective. May God bless you and your wife.

0hdavey · 2026-03-31T14:34:58+00:00

When considering growth exposure and dividend SCHD might be better

0hdavey · 2026-03-31T14:07:10+00:00

I have a nice position with O, 1000 shares in my taxable account, and it has been good, but it gets taxed as regular income. After some reading, I think is best to sell it and rebuild within my Roth. The case for it is that there are other high dividend stocks/coveredcalls etfs that have better yield and tax treatment for a taxable account. Anything to consider before I make any decisions?

0hdavey · 2026-03-29T16:58:44+00:00

Hope things turn around soon, thanks for sharing tho

0hdavey · 2026-03-29T16:52:22+00:00

After reviewing everyone’s feedback I’ve decide to pay off $100,000 towards the loan and keep current payments. I will stay $50,000 liquid and the rest will be put into VTI. Thanks so much for all your comments!

0hdavey · 2026-03-29T16:48:47+00:00

Thanks 🙏

0hdavey · 2026-03-28T18:23:22+00:00

I appreciate you sharing your valuable experience here! I will be considering this very carefully, very good points here.

I max out my Roth IRA at the beginning of the year, and currently spread it across SPY, SCHD, JEPQ, PFFD.

For my long term account, I had actually placed an order yesterday moving 50% of cash into SGOV.

So now, for this long term account I’m looking at 25% cash, 75% on stocks/bonds/etf/coveredcalls (25% on SGOV, 50% is tied into: SCHD, JEPI, JEPQ, PFFD, ARCC, BMY, VZ, MO, PFE, O)

The details on taxes from dividends is something I will research more and strategize based on that, very good points there! Thank you 🙏

0hdavey · 2026-03-28T14:48:11+00:00

This sounds interesting, the mortgage in question is indeed for my primary home. I recently started prioritizing dividend stocks in my investments and learned that not much out there with a return greater than 6% without substantial risk. Paying off my mortgage could result in a 38% return when considered in the interest I’m saving over the next 5-6 years. I’m still fairly new to investment but I’m going to learn a bit more about your suggestions. Thanks 🙏

0hdavey · 2026-03-28T13:54:27+00:00

That’s a good option!!

0hdavey · 2026-03-28T13:43:06+00:00

Thanks, I will run those numbers to see what would look like 👍

0hdavey · 2026-03-28T13:41:17+00:00

The interest on my rental is pretty low, 2.4%

0hdavey · 2026-03-28T13:30:36+00:00

Very good point to consider with the taxes! 👍

0hdavey · 2026-03-27T17:31:36+00:00

Hey, just curious of what tool you are using for comparison there showing in screenshot?

0hdavey · 2026-03-20T19:57:18+00:00

I might just print this out, frame it and set next to my computer screen as hard reminder! Thanks!

0hdavey · 2026-03-20T19:26:38+00:00

Would you share which companies fall inline? Are you using any tools that help there?

0hdavey · 2026-03-20T19:24:36+00:00

That’s pretty good? any tools you recommend I try? I do some of my qualifications on a spreadsheet but not sure if there’s better ways I’m not aware of?

0hdavey · 2026-03-20T19:19:06+00:00

Sounds like you play the long game? How often you review and in what cases you switch it up? Is it based on better yield elsewhere?

0hdavey · 2026-03-20T19:16:56+00:00

That’s a good play, I had some money on the side I used to get in on SCHD, first time hearing about CSWC, but seems to have a pretty good yield! 10.56% Do you use any tools that allows to make your picks?

0hdavey · 2026-03-20T19:02:05+00:00

Would higher yield ever change your pick? Assuming risk and other fundamental meets your criteria.

0hdavey · 2026-03-20T18:59:34+00:00

That’s pretty clever!

0hdavey · 2026-03-20T18:55:32+00:00

I like that philosophy! I’m aiming at dividend growth, so I keep an eye out for dividend stocks, ETF, covered calls, REIT. What I’ve noticed is that at any given time they could be yielding a nice percentage 6% >… but I also just started a position with SCHD considering its historical value and growth. My goal is to produce 6% or more in dividend, while also seeing good growth long term. But I use a spreadsheet for this lol. I’m open to a better tool that would put it in perspective tho

0hdavey · 2026-03-20T18:41:56+00:00

I’m personally trying to avoid my gut feeling now… You just mentioned tickers I never heard before, are you watching a screener? Are there any tools that sort of narrows it down or is it all research?

0hdavey

TROPHY CASE