It does complicate things and has given me a couple headaches, but I enjoy it and glad I get to include some of them. 

I always enjoy reading your updates and thoughts on the area.So, what is your best area right now according to your data and opinion?

Save yourself the brain damage, clear it out, convert it back, discover a whole new class of tenant you can now get and enjoy the ride of eliminating 70% of the hassles this property delivers. 

I am an investor in Cincinnati (not an agent/realtor), a native Cincinnatian and enjoy talking with anyone interested in the area.

Prove your work ethic, and opportunities will come.6.Enjoy the process.

You’ll likely find a strategy that aligns with your goals and lifestyle.Since you’ve been enjoying the BiggerPockets Money podcast, I’d also recommend checking out the Real Estate Rookie podcast—it’s great for diving into beginner-friendly strategies and learning from others who’ve been in your shoes.Feel free to reach out if you want to chat more or bounce around ideas.

., (3) gives you viable options and explains the pros and cons of each option and (4) you enjoy interacting with - this should be a relationship, not a transaction.Once you find a few lenders like this (and you should have relationships with more than one), then you can start comparing rates and fees.

If you are budget conscious and keep track of your expenses, it will not add any value and can even be riskier and more expensive as the rate arbitrage between HELOC and mortgage is not in your favor.Sorry, but I don't know how to make it any clearer, so maybe pictures will help. :) As you can see from my amortization schedule as of January I should be at a balance of $287K and as you can see from my corresponding statement I'm at a balance of $229K.

I'm particularly passionate about single family home.Outside of real estate, I enjoy mountain biking, hiking, riding motorcycles.Excited to learn and connect with you all!

People can't escape anywhere far enough to give them a clear conscious.