Now, I will suggest the following:Create a financial plan that includes the following:One year goal: reduce your expenses, including credit cards.

Many will spend all their hard earned cash on training and not leave themselves money to actaully implement what was taught.

You cannot beat the power of an ADU for peace of mind, leveraging your home to pay less monthly and reduce your expenses and give you the experience and confidence of doing constriction, getting permits and working with the city and managing a very easy rental.

For savvy investors, the key to keeping more of your hard-earned returns lies in strategic planning and leveraging the right tools to minimize tax liability.Whether you're looking to reinvest in another property, take advantage of depreciation, or explore unique tax-deferral opportunities, there are powerful strategies available to help you reduce your tax burden and maximize your financial outcomes.

The IRS partially validated it by saying it is taxable, but they also tax illegal earnings.

House hacking is a great strategy for beginners—it lets you reduce your living expenses while building equity.

sometimes to reduce borrowing costs, I'll use a hard money loan solely for the purchase, and then pay for the rehab in cash or use a 0% credit card (I don't recommend that for new investors!)

Potentially a 'exclusivity in exchange for reduced fees' or 'reduce per-visit fees as the number of calls increases.'

That's great that the bank who currently holds the note wants you on 20 year or 15 year amortization, they view you as a captive customer, they don't have to earn your business any more, as far as they are concerned. 

You can overcome this by putting more down, which reduces you ROE and COC return, but if the appreciation is good enough you can make up for this with overall returns over time as rents increase and the property appreciates.