Here are my top 5 tips for starting the new year off right!

So best next action is to start removing things off the table, take away options, start eliminating things. 

The loan is 12 months, pulls twice a month, the interest is minimal because I'm paying it off so fast. 

That was my 20s...Spinning my wheels, working ALL of the time, and living off of nothing.

Get on a budget, build your emergency fund, pay off all debts, save up.

@Tayvion Payton   -  my guess is that you are still too far off the price, at least in the interim but it is always good to put in an offer, because they may come back to you down the road. 

You might have to dig into off-market deals, though, since inventory is tight.Multi-Family: Always a safe bet if you can snag a good deal.

As you know its near impossible to find a good cash flowing deal in CA due to sale price, taxes and lack of inventory.Last one I closed on was over off of Germantown Road it was a great 2 unit that needed a little TLC for $160K but passed an inspection and was livable.

Or subs or property managers who run off the rails. 

When you file your taxes at the end of the year the accountant is going to ask you for your receipts or what and how much you want to write off using deductions.