Their combined income is below $100K per year.

We have a website, SEO is better now and we’ve climbed much higher in the google search but struggling to get clients.

I don't love the idea of having prepayment fees and a mortgage on my free and clear property but if I do a combination of things I would be able to make an above garage apartment at house 3 for 15k-20k that rents out for $1100-$1300.

I’ve seen many investors miss oppportunities when combining primary residence use with investment strategies, but you seem to have timed this perfectly.

Even creating a simple model to evaluate potential deals or predict returns could be a fun way to combine your interests while gaining hands-on experience.The most important thing is to start somewhere.

If you're able to save $50-100K per year for 14 years (when you're 40), a combination of getting solid deals, paying down debt, and having a target goal of income vs expenses, it's definitely doable.  

The ideal location for your first investment often depends on a combination of factors like budget, market growth, and your personal goals.

The primary requirement is that the expected rent would cover the mortgage on the home - and that expected rent is typically determined by a combination of the appraiser and some service like airdna (a site which determines fair market rent).

This is typically done 3x a year.Hire a company to deep clean the washing machine, drier, and dishwasher.Reimburse us for the combined 8 hours we have now spent on cleaning the home.Repaint the walls, at minimum in the basement.Prorate our rent for the days we are unable to be in the home due to the current issues and any repair time.Please let us know how you would like to proceed.Thank you,Sindy and Cary"You need a professional property manager!

They are either a combination of a Maintenance/Tenant Management business or Accounting/Real Estate sales/Tenant management service.