Have you established a new primary residence?

But we won’t qualify for a primary residence refi anymore, and I’ll need more equity to refinance as an investment property.Future investment goals: I want to own rental properties in the future, but I’m not sure if holding on to this one (which we already have) is the right move, or if it makes more sense to sell and build up savings for a better investment down the line.I’d really appreciate any advice on what I might be overlooking here.

I am also listing a room (MTR) in my primary residence in California.

6) What are the primary clients that are brought in?

It's definitely putting a wrench in my life which is the primary thing I wanted to avoid.

Okay, hard money and DSCR loans aren’t going to have those requirements.Is the buyer buying for investment or primary purposes?

(You can't move earlier than a year and get another primary residence.)If you buy a 4br in the $500k range and put 5% down, that's likely $3300/mo or so.

I've read hundreds of these and usually call the agent for an explanation to ensure we're protected.

I accumulated about 50k in bills/expenses on cards during that time  and another 50k doing renovation on both rental property and my primary residence.

The strategies you mentioned above seem to be more advanced strategies, but if that is what you enjoy, learn as much as you can and get into it.With minimal income, I would suggest saving up some money, buying a new primary residence that you can house hack, and keeping your current property as a rental.