From my understanding, the IDR plan will factor in my income and family size, making it more affordable. 

What’s the most important factor for you when deciding how to move forward with selling your home—timing, price, or something else entirely?

The load calculation made for the existing foundation were not factored into the initial design.

Quote from @Mark Pedroza: Quote from @Sergey Tkachev: Quote from @Mark Pedroza: A warm welcome @Shannon Bloomfield@Sergey Tkachev holds a monthly meetup in W Sacramento the third Thursday of every month.It may be a drive for you from where your located but maybe I'll see you there ....Warm regards.... 

I highly recommend you travel to the market yourself and spend a couple days driving around, looking at various properties, if you are going to be buying anywhere.  

I factor in 5% vacancy, 5 % cap ex, and maybe $1600 lawncare and maintenance for all 4 properties.  

The renovations were already factored into the LTV during the initial loan approval, and the increased value of the property due to those renovations may not automatically allow for an earlier PMI removal under Fannie Mae's standard policy.Workaround/Next Steps:Reappraisal: You might be able to request a reappraisal if the lender is open to it.

The thing is I've been learning about real estate for almost 2 years and still haven't bought my first property and it's driving me insane .

So most investors just throw in the same expense factors no matter the age of the property.

These two factors will get investor rates down to a reasonable level.