My partner and I are in the middle of purchasing a duplex in the Philadelphia area.

Property has a nice view in a middle income suburban area.

I'm not a cash-flow-or-bust guy or anything -- appreciation is the biggest wealth-building tool in real-estate -- but if you're buying an STR in the middle of any Colorado ski town, you're losing so much money per month. 1.

I try to be there early in the morning, late at night, and middle of the afternoon. 

As a middle school teacher with a full-time job, how can I effectively manage my time and efforts to delve into real estate investing?

I just like things between Denver and Boulder.The middle suburbs are primed to be a good appreciation market over the next few years as highe prices continue to push people out of the city.Have you talked to a lender?

My area is not rural (somewhere in the middle), but is still eligible for a USADA loan The demand would be there for renting a room.

But I'm pretty sure I can't find any houses for 20k around here You are not going to get anything anywhere for 20k, well maybe in the middle of nowhere. 

I've used cheat sheets to study for (and pass) everything from middle school Spanish to organic chemistry.

 Hey BiggerPockets family,I was just approved for an owner occupant, Fannie Mae, 5% down with a purchase price of $1.3 million for a 4plex in the Phoenix Metro of ArizonaMy middle FICO credit score is 759My current DTI debt to income ratio is 30%I have enough down payment, closing costs for the subject property, and enough liquid reserves for all 10 of my apartment buildings totaling 45 units in PHX Metro AZmy mortgage lender quoted me with a rate at 8.125% with me paying 0.156 points totaling $1,920My question is,does this 8.125% interest rate sound reasonable for an owner-occupied fourplex 5% down Fannie Mae conventional loan as of March 27th, 2024, at 1700 hours?