Once you have that agent they will be in your corner the whole time, they will have connection to professionals in trades, they will have the experience to guide you through tough decisions and be your second set of eyes on every thing.   

Local HML if rates are competitive to me would be a better choice they will help in the buy decisions and keep you from making a big boo boo.

I’ve helped a lot of new investors like yourself navigate this decision, so let me share a bit of what I’ve seen.A local bank can be great if you value face-to-face relationships.

They help you make decisions that lead to significant long-term tax savings, which often outweigh the cost of their services.

Better to own a smaller percentage of projects that perform well than own greater percentages of projects that perform poorly with added stress. 

Don't let fear stop you from making a decision that can improve your life.

This makes it a bit of a tougher decision. 

Hi there,It sounds like you and your wife are at a crucial decision point in your real estate investment journey.

Anna,  Congrats on making the decision on getting stated into Real Estate Investment, and welcome to BP.   

Overall, I just have decision paralysis.