Since you’re focusing on turnkey rentals, DSCR loans are often ideal because they focus more on property income rather than your personal income.

@Jerry Zigounakis For your STR in Big Bear, forming a CA LLC is ideal for liability protection, even with the $800 annual franchise tax and possible gross receipts fees.

Older properties can be picked up for < 50% of ARV and go up in value in rapid ways with urban renewal efforts … I’ve seen this happen time and time again and so it’s worth saying, diversification is ideal.

Home 1 is ideal for a fix-and-flip loan to fund the remaining $90K, which I can help you evaluate options.

Ideally I wanted to live in Lake View as that's my dream neighborhood, but I just didn't have the funds/income.

My ideal location would currently actually be Augusta, GA because I really want to start somewhere with a very low crime rate. 

A 4-plex would be ideal and you could play around with doing 1 long-term, 1 mid-term, and 1 short-term, plus you, if it works on your area to upgrade your income.

There are many reasons that adding a single ADU in southern CA is a less than ideal RE investment (i will post a list at the end) but the negative initial equity is a primary reason as the initial negative equity position consumes the initial cash flow and can take many years to recover.As for converting your home to a rental….

If there's equity maybe selling and restarting would be ideal unless you can up income/cut down expenses

Ideally I'd like the ability to invest in individual stocks of my own choosing (fractional shares is a plus), a diverse option of index funds, and ETFs.Has anyone found a great banking option to have the most flexibility with your HSA investments?