There is the tactical "act" of underwriting, then there is the much more valuable "art" of underwriting.The act can easily be taught.  

If an in-person visit is not feasible, we can easily arrange video tours to accommodate your schedule.

These options could provide flexibility with your upfront costs and monthly payments.Expand Your Search Radius or Property Type:If you’re set on a single-family home, you might find more affordable options by expanding your search to nearby areas in San Diego County or by considering properties that need a little TLC.Partnerships:Partnering with another investor or family member might be a way to pool resources for a purchase.

Yes, we exist.You may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a accountant willing to work with you throughout the year.

JohnFirst look at your states licensing laws, they can easily be found online.

Your idea to begin with wholesaling and then expand into rental properties is exciting! 

Regarding the HOA and CC&R's, the builder can make changes to the CC&R's pretty easily while the development is under Declarant Control.

While I do take into consideration all the relevant expenses when I vet a property I still like to see at least $200/door cash flow so I can more easily build up my reserves and have some money to work with.  

Appreciate the kind words.Looking to 2025, my #1 goal is to expand my portfolio by purchasing and house hacking a second 3-4 flat.

I’d love to hear about your strategy and how you approach due diligence when expanding to new markets.