TBills pay over 5% with no state income tax.I have an open mind and when I see someone raising for something new I'll compliment them on the idea.

I have yet to experience selling one of our properties.Thanks You have the right idea about depreciation.   

Here are some tips for a cost-effective installation:Shop Around for Deals: Look for discounts or promotions from local suppliers or consider remnants from larger projects to save on material costs.Consider Prefabricated Granite: Prefabricated granite countertops are pre-cut and polished, offering a more affordable option compared to custom-cut slabs.Hire Reputable Installers: While it may be tempting to cut costs with DIY installation, hiring professionals ensures proper fitting and longevity, ultimately saving on potential repairs.When it comes to return on investment (ROI), installing granite countertops can yield substantial benefits:Increased Property Value: Granite countertops are a desirable feature for renters, potentially allowing you to increase rental rates and attract higher-quality tenants.Long-Term Durability: Granite is known for its durability and resistance to scratches and heat, reducing the need for frequent replacements or repairs.Tenant Satisfaction: Tenants are likely to appreciate the upscale and modern appeal of granite countertops, contributing to higher tenant satisfaction and longer lease durations.The appeal of granite countertops to potential tenants can significantly impact property occupancy rates:Enhanced Aesthetic: Granite countertops convey a sense of luxury and sophistication, making your property stand out in the rental market.Competitive Edge: Properties with granite countertops often have a competitive edge over others, attracting more prospective tenants and reducing vacancy periods.Positive Reviews and Referrals: Tenants may be more inclined to leave positive reviews and refer your property to others, contributing to a positive rental reputation and sustained occupancy.By strategically incorporating granite countertops into your rental property, you can elevate its appeal, attract quality tenants, and maximize your investment returns.In conclusion, granite countertops can significantly enhance the appeal and value of rental properties.

Not fully understanding that an appraisal was needed to tell me the value of the home and nearby comparables before I bought so when I went to refi the bank ordered an appraisal which came back at $42,000 so with the 20% down I put that made me owe $28,000 and by the time I cashed out and paid fees I wouldn’t even be ghetto g what I put in backSo I did the only thing left to do was to rent it out using a property manager and cash flows $500 cash flow for a yr but the last tenant moved out and it’s been vacant for the last 6 months.Should I sale or any ideas on how to get this home rented out cause I’m coming out of pocket the $248 for the mortgage and it’s becoming a financial problem 

Since I just got a credit card my credit score isnt the best (his is 700 mine is 600). the good news is we have saved combined $20,000 to put into our real estate. we have no debt and We both work full time and have Paystubs to back it up.

About 100k cash saved in the bank.

i'd take the 3 'more expensive up front' options, for each one list the difference in closing costs between that option & the 'cheapest up front' option, then compare your cash-on-cash return for each for the initial additional investment vs. the saved interest in year one. that would give you a starting point for if the extra investment up front is worth it or not per whatever your normal desired COCR is for any investment. but another thing to consider is, how long is the rate fixed for?

I  love the idea about duplex/beach cottage homes but felt that would be out of the budget.

This gives you an idea how far along they really are.

States like NY, NJ, Cali, FL, NV are not idea for in-state investments anymore.