And if you can, try to avoid racking up more debt on your cards while you’re paying off the loan—it takes some discipline, but it's definitely worth it in the long run!

If, however, it's a longer term, perhaps staying put might make the most sense.

One challenge was managing extensive renovations on a modestly priced home, requiring disciplined budgeting and planning.

I'm not saying you need to move to small town America but I wanted to give you a comparison.The only way I can see you staying in NYC and looking to invest in real estate is to find a way to make more money.

I was graciously invited to a REIA retreat to go over the future of REIA and how to stay relevant in this information time we are in.

You gain wealth as a result of good/healthy financial discipline. 

Stay away from anything Jean Gillen / Realty Doctors tries to sell you also.

And Chula Vista or Escondido are great areas for first-timers who want to stay near SD but reduce entry costs.Network at local meetups like “Beers and Deals” - The connections you’ll make there can open up off-market opportunities.Where did you end up starting starting - SD, or did you end up in nearby markets to get your first win?

So just stay out of certain states and you'll be fine.

I'd love to stay in touch with you!