@Ming HuangRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

Is there a buy out plan?

But if you buy the property well, your downside risk is that it is short term rentals don't work, and you can simply sell it for hopefully no less than what you paid.That would be my mindset.

Not exactly sure what Safeguard does but if they are originating notes for owner occupied properties then they need to follow the Dodd Frank rules and anyone buying such notes should make sure they did.  

If you can take that and buy a 2-4 unit property and live in one and rent the others, with the aprox $110-120k you are putting down you should be able to be in a good position and make a much better rate on your investment.

We were able to negotiate a buy down on the interest rates. 

His team is adding a course on buying businesses, and they are also working on adding Real Estate College Semesters and learning badges. 

Figure out what they're willing to pay, use those numbers to refine your search on houses you should buy. 

But there are tons of areas where you can buy that are not in an HOA. 

My partner know how to do it and said he could buy the stuff on the internet for $200 and we could permit it and he'd wire it.