@Sue K. Thank you very much Sue ! I really appreciate the developped answer. I think the advice regarding not taking for granted whatever first lender says is invaluable ! As I would probably myself believe that he’s the expert and knows what he’s doing. Obviously it’s not always the case. That’s why I’m so grateful for experienced owners and investors for their advices and for sharing their knowledge and experiences. I’m in Los Angeles by the way, so I agree there’s deals out there, I just feel like I would need to venture way out of my neighborhood in order to find a deal that could financially make sense. But once again it could also simply a limitating belief. Thank you for the recommandation, I would definitely contact him, if I decide to invest in Cali. Sorry, I can also go on forever :) I just love the topic of real estate in general and pretty much everything related to it. I just need to get rid of some old beliefs systems and take action !