No single, long vanity lights or mirrors!

That could be just federally, however...Against $35K income:1) I take $23,500 W2 which 100% goes into Solo 401K --> No income tax You have to account for taxes like FICA and Medicare so this will be closer to $25-$26k.

(even when I had no money and no way to take it down alone.)

Well, a lot of life happened and now I am getting back to zero no debt and I'll be renting for now and I am considering a duplex to buy cash or maybe land and some sort of unconventional home but still purchasing cash.

The monthly payment is only ~$720 and the interest rate is fixed at 8% fully amortized with no balloon. 

Would you be looking for a "fixer upper" type property or something with little to no rehab (aka "turn-key")?

Purchase price: $187,000 Cash invested: $15,000 Sale price: $259,000 I got tired of moving place to place and worrying about finding roommate, security deposits and not having enough money to deal with maintaining someone elses home.

Quote from @Beth Johnson: @Marina Wong No. we just charge the servicing set-up fee at close.

No, no one's looking for someone like you.

I did number 2 with no regrets.