Ideally, I wpuld like the 6.85% without the penalty.

I've seen several questions on this forum looking for the best CRM. Some people seemed irritated by how much customization they had do to the CRM to fit into real estate use cases.

If there was the perfect re...

Then I tried to sell it I believe at $550,000 but no takers there and this is when I learned the neighborhood I bought in wasn't ideal. 

Try to find ideal markets that offer upside while still being at a more affordable price point than southern California for example.A few good examples are Columbus Ohio and San Antonio Texas, although you'll have to find particular neighborhoods and micro-neighborhoods to consider in whichever market you are looking at.

You need to be carful with locations inside the city though not every location is ideal for investors.

What we find is that owners in your position can do well in a set of ideal circumstances:  the home is in great condition, they find excellent tenants who treat the property with care, and nothing crazy happens. 

Hello Yishi,I deal with 1st position mortgages on New Construction, I would say that investor capital can be all over the place in terms of rates. 

think you are certainly on the exact right track - house hacking is ideally the best way to start and pretty much ideally for your situation/age range (just graduating college)

These loans focus on the property's income potential rather than the borrower's personal income, making them ideal for investment properties.

I am weighing the benefits of trying to get my contractors license as I am experienced in construction, but don't think this would be an easy process and it would be ideally avoided.