By understanding the costs you may encounter upfront, you can take control of the process.Here are just a few things experts say you should be thinking about as you plan ahead.1.

I have had houses that I love and want to continue to own.

Anyone answering is not responding as a Tax accountant, Insurance expert or as a Financial advisor.  

Happy to answer any questions and always open to any advice local experts are willing to share.  

Insurance typically covers only the directly damaged area, not undamaged flooring, even if it's continuous.

It will likely still continue being a difficulty.You mentioned bills, are they credit card bills?

Very solid market, been investing there over 10 yrs and the rents continue to climb! 

I’m hoping that once I do have enough saved I can buy the second property and continue house hacking.

Realistically you would expect the house to continue to appreciate during that time as well... even if at 3.33% appreciation - that is another $50,000 in appreciation you would make in the 3 years - give or take.  

The recent earthquakes destroyed many multi-family complexes and will continue doing so.