(PMI effectively raises your mortgage APR and is no longer a tax deduction on a primary residence.)If you really want to invest, what short-term sacrifices are you willing to make? 

Your wife will become the primary breadwinner.

Hi all,I need some advice regarding a deal for what would possibly be my primary residence and first deal.

Leveraging creative financing methods like hard money loans, private lending, or partnering with investors can also help you secure deals when traditional financing is delayed or limited.

Weigh out the Pro's and Con's between Traditional, Portfolio, and Non/QM like DSCR. 

Great news for the local investors, bad news for the California absent landlords (our software catches/filters by property location and borrower primary residence, there might for example be a lender in California that lends nationwide but requires the borrower to live in their 3-county footprint, and every other configuration of that you can imagine).

I should hopefully have an independent appraisal  within the next few days.HELOC will be from primary residence. 

traditional How did you add value to the deal?

Your primary insurance policy with $300,000 in liability coverage should be sufficient in 99.999% of all lawsuits.5.

Regarding paying off the SBA-HEDCO loan, the primary downside to paying it off early would be losing out on a relatively low interest rate.