Hi Toni, I'd like to point out that the annual tax savings from contributing to a retirement account in your working years is tiny compared to the tax bill you will have to pay on that 'pre-tax' retirement account. 

The property is on 2-and-a-half acres and it has a main house, a guest house and a tiny house.

Early this year I fired all of them on the same day because I was doing the majority of the work, the didn't take training and coaching well, and the main thing was that their CAPACITY was tiny.

My wife and I want to put a Tiny home on our property and ideally rent it on airbnb.I have read several different things on STRs in Oceanside.

It's never hurt our business one tiny bit. 

And I was very choosy to buy in neighborhoods of new builds that were not saturated with investors I paid more and they were not as cash flow gifted as others who were focused on cash flow my main goal was Go Zone and then when i went to exit 10 years later I could actually sell them easy on the MLS to owner occs and made a little bit of appreciation while my cash flow was neutral to maybe tiny positive but i saved close to 500k plus in personal income tax over the course of 3 years buying them before go zone expired..

Because the best agents in the business (and the smartest buyers and sellers) know their value.Don't let yourself be negotiated into tiny commissions because you feel you have no other options.

It's big enough that I could also add camping/RV/tiny home STR options in different areas (20+ acres with a lake and a pool).

The original mortgage was 144,000 and I heard that the junior mortgage falls off [it was a tiny 32K].

The actual percentage of people that get audited is tiny.