I thought they weren’t paying high interest on their savings account but I checked and I’m almost at 4%.

I'm curious to hear from others across the US what innovative strategies their municipalities have successfully implemented to incentivize development and promote housing affordability through private investment and cooperation. 

Refinancing both at the same time could save you money in the long run and streamline the process, as you'd only have to go through appraisals and closing costs once.HELOC vs.

This is definitely less than $150 with a plumber, unless they run into some issues.Any handyman can do this job for less than $80.The high price is probably due to your PM hiring a plumber when they should have hired a handyman to save you some money.

Start with your primary, rent out any spare bedrooms "house hack"Use that to practice upgrades, kitchen, bathroom, curb appeal... etcNow you have experience as a landlord and flipper, use that to buy a distressed propertyAdd 40% equity to the property through home makeover, refinance into a low cost mortgageNow you are cashflowing a healthy margin on a second property, use that to build equity over time, cashout later and buy your duplex/quad.If it's going to take you 10 years to save up a down payment for a small apartment building, yeah it makes more sense to start growing your portfolio with cheap SFR flips instead.Every market is different, every borrower is different, every property is different, it would be ill-advised to recommend anything without recognizing the individual's nuanced goals and objectives with their next acquisition.

I like to garden in my free time, this summer i noticed how much we saved with the garden and I've been watching more videos on personal finance.

They're a conduit lender, so they require more documentation than a mortgage fund or private individual would request. 

After securing a deal, your focus will shift to closing, finding tenants, and setting up efficient management.If you haven’t already, building relationships with local agents, contractors, and property managers in PA can save you a lot of time and hassle

Save for future expenses, especially if self-employed6.

He is also an investor as well so he “gets it”happy to privately share his info.