Usually, you're comparing your 401k portfolio returns (which are usually in a default target date fund) vs SPY. 

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

They have deals you can look at with better margins and less competition compared to on market. 

How this area stands compare of Santa Teresa?

Out of many we have seen, I like the neighborhood of this specific one better comparing to the rest.

Thanks I can definitely see the Westside being a good market for section 8 for price to rent ratio and comparative of purchase price.

Typically, you can get a comparable rate on a DSCR by paying for it with some combination of points and fees up front.

This can be useful if you want to keep growing your portfolio without being limited by personal DTI or income requirements.That said, here are a couple of things to keep in mind:DSCR Loan Terms: These loans often have higher interest rates and different terms compared to conventional mortgages, so it's important to assess whether the potential benefits of restructuring the loan through your LLC outweigh the cost of refinancing.Asset Protection Plan: Even if you refinance into a DSCR loan, make sure to have a solid estate plan in place.

But you could see the distinct advantage I had it was huge.I feel sorry for folks doing this in PA and other states that are so antiquated..  

We use mysmartmove (by transunion) for credit score and financial and criminal details, then compare that with the information provided on the application form to look for inconsistencies.