But the garage is not included since I need it for storage of my tools and supplies. 

Not sure if these are all investment properties or if you're including a primary or second home, but my suggestion would be a cash out refi of an investment property to pay off your debt, and a line of credit on your primary to have available for reserves if needed.

Alternatives include Stessa (free) and Buildium (more robust, pricier).For testing, a phased approach is generally best.

They explained that Fannie Mae (according to an exchange with their Servicing Portfolio Manager at Fannie Mae for a similar but not an exact loan) does not allow PMI removal for improvements already included in the original loan’s scope until after a two-year seasoning period

Thank you so much, Luo It’s likely pulling data from Santa Barbara County, which includes north county like Santa Maria, Lompoc, orcutt etc

Griswold – A great introduction to the financial side of real estate investing, including bookkeeping."

At the moment, I have an STR in the Berkshires and have considered other investments including multifamily.

However, this price does not include a finished basement. 

We have some cash savings in the ballpark of 10k ready to invest today not including emergency fund and other savings, but that number is growing thanks to a recent bump in income.Now for the pros.

Second, your lease should indicate what items are included/covered by the landlord.