Find something cheaper and pay cash, I know it won't be in CA either.Starting with an average, in this case way below average, deal is like saying, "I'll start out dating ugly, skanky women and work my way up to cute, nice girls.It sounds to me like you're suffering from "gottadoadealitis".

Hawaii doesn't suffer from out-migration like in the mainland because, well, because we're an island in the middle of the Pacific.

my mentors called it the "farm". you dont want a HUGE farm that has corn planted in on area, then 3 acreas some beans and 3 acres away some cows... keep it in close proximity, that way if something where to happen to more than one place you arent stuck running all over town..

I know there are people who suffer more, but hair cut turns..

However, the money just isn't enough and I want a means to live rent & bill free on the dime of rental properties and saved "flipped" profits.As for me, I'm a gardener with chickens and a small collection of organic plants.

And you are locked in with the extra annual payment even in times when your cash flow is suffering, such as during a prolonged vacancy or eviction.If you want to get faster pay down, just make an annual contribution to additional principal equal to one month's payment.

No problem Mike.I actually spoke there back in October.Fun talk that I gave about my flip of the house by the sewer plant: http://youtu.be/XDo03aBu2VM

Tenancy gives you no right to make repairs.That owner already has a liability with you and your "team" in there doing work.If permits are required, you may be doing unpermitted work, the owner may suffer for that.You can't get permits in the name of an owner unless you're a contractor.Spend the money you have for repairs on an attorney, buy it, do a few less repairs and be more selective in what you do.

My husband and I established an LLC in 2012 but have suffered from "analysis paralysis" since then.

I suffer from analysis paralysis, but I've resolved to take action NOW.