Perhaps it would be a little higher in the South Bay or Peninsula.  

I also can go higher prices by tapping into a heloc for part of downpayment. 

You are mention the higher costs for MTR-- I would adjust the cleaning fee and add incidental insurance like Waivo to cover those costs.

Hello, personally, if it was me in your situation, I would not trade the low interest rates you currently have by cashing out the relatively smaller equity you have in your current properties for a much higher interest rate.

Keep diversifying your income with side hustles, and continue learning through books like "The Millionaire Real Estate Investor" by Gary Keller and "Rich Dad Poor Dad" by Robert Kiyosaki.By the time you're earning more, you'll be ready to dive into real estate, leveraging your higher income and knowledge to scale quickly.Let me know if you need advice on financing when you're ready!

In order for Waco to realize its potential, they need more corporations that will provide an influx of jobs for college graduates and higher earners.

And they let you do higher LTV loans on refis and cash out refi!

Its becomes a lifestyle.You REALLY need to be into that "lifestyle" since I believe your rate is higher. 

Banks often have higher fees and less favorable rates, while online services like Wise offer more competitive options.As @Ryan Konen mentioned, other alternatives include Revolut for multi-currency transfers and OFX for large transfers without limits.

There are other loan types that allow for 3-6 months seasoning of ownership with slightly higher rates.