We're currently looking to purchase a property for <$500K so Phoenix is not a good fit necessarily for this first investment, but may consider increasing our target price for future purchases.

Figure out where you can give and take and then invest in the market that fits those metrics the closest.

Consider options such as adding to down payments, reserves, or investing in other income-producing assets aligned with your financial goals.Next StepsTalk to Lenders: Discuss your financing options with lenders, including the possibility of a cash-out refinance or HELOC on your CT property, and explore the 10% down payment product for your next purchase.Real Estate Market Research: Identify potential markets or properties that fit your investment criteria, whether for house hacking in Las Vegas or remote ownership.Consult Professionals: Engage with a real estate agent, tax advisor, and possibly a financial planner to ensure your investment strategy aligns with your long-term goals and financial health.By leveraging your existing equity, navigating financing options, and resolving tax matters, you can position yourself and your girlfriend to successfully expand your real estate portfolio this year. 

While I don't have Bay Area capital to purchase my properties, the idea of MTR Arbitrage seems fitting. 

And since you would own the one property outright, you wouldn't incur debt and would have all the equity there for whenever you see fit. 

I'll be pissed if they F it up and I have to redo all of my various discounts because they blanket a 10% across the board.

@Natasha RooneyColumbus, OH would be a good fit for a long term buy and hold with enough cash to pay for itself and have a little left over every year to reinvest.

Online platforms aren't a good fit for them.

So I need this VA to also do a good amount of research before calling to make sure the property is a good fit.

I hope to hear from you soon if you feel I would be a good fit..