thanks for the advice. My intention of paying cash for at least my initial property is that I am in the process of raising my credit score. When I inherited my property i was not in a financial position where I could responsibilities afford to own the property and because I was lost in grief I wasn’t capable at the time to put the energy into learning and working to improve my situation. In October of last year when my home almost burned down in the wine country fires, I realized it was time for me to change my story and my relationship with money and my financial future. I have worked hard to get my credit score up from 444 to 597 and will continue to work until I get it to a positive level. I guess paying cash has to do with feeling like I won’t qualify for the financing I wouldn’t need. Also I would like to have the peace of mind knowing I have at least one property that I own out right, considering I’m new to the idea of real estate investing. I realize that there are many ways to do this and being a newbie to this I a am open advice and suggestions of what makes the most sense going forward. Thanks for your time.