I feel the investor is off to a great start.

Please feel free to reach out if you have any questions.

It will be even harder as a young person with no life experience, and particularly no experience buying real estate. 

I feel I could definitely meet both of those on my own, as my husband works full-time , and I will be the only person besides the hourly employees stated above that would be accruing hours.

The sentiment feels a lot like 2008, home prices are unaffordable, Price to earning ratio don't make sense, rents are high (which is a goo thing only of the homes weren't so expensive), I feel like it's a ticking time bomb with the debt crisis.

Don't talk yourself into a place because of personal use.Buying a $475k condo that brings in 35k in gross rental income will lose a lot of money.

I feel confidant that your knowledge and expertise will bring you much success in your market.  

@Nina Erlandson Personally, I have not heard of Obie Insurance.

If you were more experienced, I would consider shuffling the portfolio and being aggressive, but I don't feel you are there yet. 

That would be a separate mortgage and not what amounts to a second loan on your personal residence, which if you have spouses, they might not be that into.