- At a high level often people set goals that don’t align with their overall life goals.

That helps bring back down you debt to income level.  

Quote from @Lolo Druff: I've heard horror stories about awful property management companies and am looking for a REFERRAL for a trusted source from an investor.

One kitchen is for a subletter that occupies one level of a duplex. 

It ended up okay, but it sure taught her to slow down and get comfortable digging deep into the due diligence.Here in San Diego, I’ve seen the seasoned investors always double-check with a well-regarded local title attorney..I’ve heard there are a few firms around downtown that specialize in smoothing out odball title issues..or a trusted property manager who knows what unique fees to expect.

Stay focused on your goals, and trust the experience you’re gaining will help guide your next steps.

My basic assumption is I would be trading a certain level of cash flow for increased appreciation over a period of 10 years.

Covering a significant portion of my mortgage has been a great reward.Solution: My four levels of vetting have helped me find quality room-renters over the last 18 months.I think you already have the answers to your situation.

Thanks Joe, you helped really press some buttons of next level thoughts and considerations on this. 

The problem is I have no idea of knowing what is owed on the first position deed of trust.