Balancing family life with your career as an outpatient internal medicine physician is no small feat, especially in the Bay Area's challenging market.

Make sure you check out Clarksville, TN as well - we've got a great balance of cash flow and appreciation and are in a fundamentally strong and growing market. 

Since it's a non-deductible contribution, you'll only owe taxes on any earnings between the contribution and conversion.Pro-Rata Rule: Since you don't have any other IRAs, you can avoid this rule, which taxes conversions based on the ratio of pre-tax and post-tax IRA balances.

I requested the last 3 years of their Tax returns, P/Ls, and balance sheets.

If balance is not paid in full by the 10th, I start the eviction process on the 11th.Even if the tenant calls in advance and provides a legitimate reason for why they can't pay until the 6th, I still charge the late fee.

You could still explore mid-term or short-term rentals on one property to increase income without relying solely on it, balancing stability with potential upside. 

On my balance sheet I have to assets: 1.

Once it's provided, your lender will need a day or two to update everything with the loan because they cant balance the CD without the updated payoff info.

Whatever you choose, it’s all about balancing cost, effort, and potential return!

It’s important to strike a balance here.3.