Not a dumb question at all, but getting a $100K loan with no track record is difficult.

Here’s my take:1.

Guys have heard that ad nauseum and its now a code word for "Do it cheap".

You’d also make all future capital gains at least partially taxable instead of tax exempt by converting your primary to a rental.

I am looking at 1031 possibly or just fixed refi/or use my heloc for the time being on a value add for a building 10-40 units (market dependent on price). 

I’m curious have others here noticed this trend with new investors?

The folks at VRBO can't seem to understand that. 

From there you can start to identify what you are looking for.Where do you land on the follow spectrums:Cash flow and AppreciationLong term or Short term needs (waiting for growth vs get out of my W2 now)Long term rentals, Mid term rentals, Short term rentalsBuying close to home or coast to coastSelf manage or hire a PMIf you can narrow in on those, you essentially have your buy box. 

Here's how life insurance can benefit investors like us: 1.

The market is TOUGH right now for LTRs and STRs.Hope this helps - we are trying to protect you.