There are even fewer people educating themselves, citing excuses like the timing isn't right.

Selling costs will consume about 50%.  

It can be expensive, and time consuming.

Building roads and extending utilities comes after a lot of other expensive and time-consuming work.

Using loan proceeds to purchase another primary residence is considered consumer purpose and would not fall within DSCR guidelines.

I want to move my checking account to a smaller community bank with fewer branches.

Based on the provided real estate data for San Jose, CA 95111, there appears to be a seasonal pattern in home sales activity and prices:Peak Season (Spring/Summer)The data shows a higher number of home sales occurring in the spring and summer months, particularly from March through August.Home prices also tend to be higher during this peak selling season, likely due to increased buyer demand.Off-Peak Season (Fall/Winter)There are noticeably fewer home sales recorded in the fall and winter months, from around September through February.Home prices also tend to be somewhat lower during this off-peak period compared to the spring/summer months.This seasonal pattern is quite common in real estate markets, driven by factors such as:Warmer weather and longer days make it more convenient for buyers to go house hunting in spring/summer.Many families prefer to move during the summer when children are out of school.The spring market is fueled by annual bonuses/tax refunds providing down payment funds.Sellers often list their homes in spring to take advantage of the higher buyer demand.However, it's important to note that this is just a general observed trend.

In the past we've always relied on agents, but this is time consuming and it always feels like we're being a bother when asking.

This negative position can consume years of cash flow to recover.

That will get consumed with yearly expenses, especially a 3 acre lawn to maintain.