Several factors are changing in my life and I’m thinking of maybe paying down/off some loans but will have to weigh the difference between the prepayment penalty on the commercial ones.

I’ve been using the same VA service and haven't had any major issues so far, so I think it really varies depending on a lot of factors, like the market, your criteria, and how strong your buyer's list is.

Another thing about most suburbs is that the property taxes can be brutal which needs to be factored in to your analysis.The biggest thing is where ever you buy, you need to feel comfortable living in AND upon move out, the property needs to cash flow. 

Make sure you test drive their product.  

@Nishan Akwalia The most important factor is actually who the tax payer is for the property.

Drive to Silicon Valley ( two hours driving a day ) , work till 7:00 or so, go home and crash. 

When a husband and wife jointly own a residence, and the husband takes out a Home Equity Line of Credit (HELOC) in his name only, the spouse's involvement and liability can vary based on several factors, including state laws and the lender's requirements.1.

There are also multiple universities that drive rental demand.

I agree that these are more important factors.

.: Quote from @Bruce Woodruff: Quote from @Engelo Rumora:  What happened to the good old shoulder barge or accidental door kick hahaI don't ever remember buying a house without getting some eyes on it.I've always found some a back door or window "open" heheIf a neighbor approaches me, "No habla ingles" 😁Yep, I used to drive neighborhoods and look for those deserted looking houses that had potential.