At what point should I consider purchasing an investment property? Here’s my breakdown with my 131k/yr salary: Maxing out Roth 401k (balance of 145k), Roth IRA (balance of 8k), HSA (balance of 4k), then do 10% to ESPP, then send about ~$500/month to taxable brokerage (balance of 35k), and keep 20k in HYSA.

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Do you have credit card debt, car or student loans? If so pay them off before investing in real estate.
Are you ready to be a landlord? Do you have time to get the property fixed if needed?
Keep a 3-6 months emergency fund, save up for a down payment and buy investment property.

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