And a good point on "not giving up the rate if I'm looking to grow my portfolio". 

Thanks in advance Community for your feedback, any and all feedback and a time you take the chair of your thoughts is very much appreciated.

Simple things like a branded email at your domain and a website can open a lot of doors. 

There’s a smaller hospital nearby and a large one the city up but I don’t think the nearby ones cover the point you’re making.

How does this new law address the distinction between wholesaling and a net listing?

Really just a place and a time for like-minded people to get together and talk about their passion for or interest in real estate investing.

We didn't buy much from the MLS and if we did, it was either a "handyman special" or it had been on the market 180+ days with a motivated seller willing to take less than market value.This will be the "new normal" going forward and a lot of newer investors will drop out of the acquisition market and just hold what they have.

To be honest, I´m in the Maintenance & Construction for corporate businesses for some US companies in Mexico and we do some Real Estate down here also, but it´s way much different than the US, so I have much to learn from a lot of people around here and as @Julio Gonzalez, I think this is pretty much the right pad and place to start and to break my fears to start all over again from scratchAlso, I´ld like to hear more from @Justin Brickman why he voted for his city, pros and cons, it will help to read from a local...As I said before, thank you all guys for taking the time to write in this post and share some experienceDo you plan to owner occupy. $40k will not get you a non owner occupied San Diego property unless you find some unlikely alternate financing.

And as far as legal—an attorney becomes essential once you're ready to finalize terms with either an HML or private lender to make sure everything’s secure.Hope this helps!

This Penalty is applicable to both a refinance and a sale.