Thank you Bonny

@Bonnie LowYes it's a tricky area bc I'm right in between a C class and A class area....

Originally posted by @Bob Ross:@Tom WagnerTom, is it 3.5 FHA better than 20 percent down if you have it?

@Will Fraser, @Christopher Leet, @Steve Rozenberg, @Bryan Noth, @Chelsea Ross & @Jaylen Ingram - Thank you all so much for those wonderful book recommendations.

@Bonnie Low My DTI is pretty low (28%)I put the 20% down on my primary to reduce PMI (this was also before I wanted to get into investing so I was only focused on reducing my monthly payment)I have several 401ks totaling around $50,000We are planning on staying in this current house long-term so FHA/househacking isn't an optionIf I could get 100% financing through a HML and BRRRR that would be amazing, I just don't know where to find said HMLI didn't think about partnering with my parents for a second deal, but that might definitely be an option.I'll check out Brandon's book. 

@Bonnie Low Sorry to hear about your frustrating experience with that short sale.

@Reginald Ross Thanks for the insight, my plan was to do both the steps you mentioned so work both sides. 

@Reginald Ross, @John Smith is OK in what he wants to do.

@Nicole Sugrue, I agree with @Bonnie Low regarding having an attorney involved.

@Bonnie Low thanks for the pitfall heads up, those are definitely things to consider and NV might just be smarter for diversification anyway.