Another thought is you have more control with 20% because you can choose the insurance, and stay in control of your money longer by paying your own taxes.

In my case, the renter got paid every Friday and like many renters had limited self control or something always came up. 

Cash flow is the name of the game when it comes to controlling the asset so you are right it really doesn't matter whether the value goes up or down as long as you can carry it. 

The thermostat control is on the living room which will be part of the JADU.

Although insurance may cover the rebuilding of your property, it could be vacant for months or years until the community recovers and people return.Operating costs: Every dollar lost to property taxes, and insurance is a dollar less for you to live on.Rent control: Government control of your rental property can transform a promising investment into a nightmare.Location Selection Process and ToolsYou can try to analyze all possible cities in the US and select the “best”.

Sometimes sellers are very structured, controlled, and follow the rules to the letter, but sometimes they may not be as smart.

If you can't keep control of your personal finances, you are highly unlikely to succeed in real estate investing.

I was able to take a loan on my 401k to help pay down our house, but I was recently fully disabled so there wasn't any penalties for us.Get a good CPA and get started.Plus you could always wait a bit and not move on any more properties until you get all this under control.

Was the agent in exclusive control of the information required by HUD? 

We've certainly experienced a fair share of new build/builder quality control issues.I do believe the long term has significant upsides but you know that already with your understanding of the mountain communities.