That said, even with conservative rental income estimates, my living expenses would eventually drop to several hundred dollars less than what I’m currently paying in rent once the house hack starts generating income.I do have cash reserves to weather some rough patches, but the idea of pushing my budget this hard makes me uneasy.

Just would like to start building relationships with people In the Phoenix area as well. 

Lee Arnold has helped a lot of people start or scale their real estate business.

It could be a great option for your client's needs, or at the very least, a starting point for comparison with other lenders.

The recipient inherits your cost basis (what you paid) for calculating capital gains or depreciation.You and your spouse can each gift $17,000/year per recipient under the annual gift tax exclusion ($34,000 total).

You can start to educate yourself on the individual components; how much does it cost to paint on a per sqft basis or what is an average kitchen remodel.  

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After living through the GFC and the shrinking market for local banks, they saw an opening in the market for what they call "consultative banking" like they had years before and decided to start a bank.

How do I even start the conversation as a tenant?

I too never thought about a houseboat community until I owned a houseboat myself and started thinking of ways to make the investment make sense.