@Cesar Morales I PM'd you yesterday.  

When I'm looking at various deals across platform and even deals on the SAME platform seems these can be calculated quite differently.For instance since IRR is calculated based on the capital invested if a cashflow shows that in a particular year they estimate that they will be ABOVE the pref and return some of the capital then the IRR in the subsequent year is likely higher since now the capital invested is lower but the return is the same thus boosts overall IRR for the deal.For this reason, it seems referring to the multiple as an additional point is helpful as at the end of the day it tells me how much real money is coming back to me.I find the calculations non-consistent especially on fund deals, where they can be open ended dates with a wide range of hold periods so you can really cherry pick your numbers to make the IRR and multiples look good.Any tips?

Moral of the story--- bring all your tools home, all the time, every time.    

Our goal is to pay off little credit cards witch is helping boost our credit & lower our debt to income.

Have you done anything to boost your organic search ratings?

I will attempt to decompose them and offer my opinion:Local vs Out of State: Local any day of the week ... you get full control over your investment and all the risk reducing and return boosting benefits of that.

(not 1 year of full ownership yet, but prolly have 25% of home value by now)- good credit, not much CC debt and no other debt, around 25k savings cash.Options: - either pay down the student loan with a home equity loan around 3-4% if possible, take out 50k home equity loan, 30k for student loan and 20k id throw to my 25k cash and buy another rental- leave everything as is and just take out 20k home equity loan to boost up cash and get another property around 200k for a rental investmentANY IDEAS appreciated, and even happy to connect to tax CPA-s in New Jersey area.

This was for a small fixer-upper 2/1 house in East San Jose, which was sold back in 2012.During the course of your real estate career, you will encounter a lot of situations, which would involve moral, ethics, value. 

People who sit around waiting for another raise, and when they get it, they start dreaming of what they can buy (literally ran a study the day after raises were announced and you would be amazed how many monitors had new cars, new houses, new purses, new computers, new toys on them...everyone wanted to blow the money they just got before even recieveing it)Everyone has a different "financial problem" although the problem is simple, they all spend too much money on un needed stuffAll of these people are Destined to be W-2 workers the rest of their lives, because they car they drive is a direct necessity to their overall imageThe moral of the (probably poorly told) story is, if you want to be an investor, then you have to think like one.

Along with demographic changes, it will boost the collaborative economy in the coming years.In addition, life expectancy has increased, and it is more common to change jobs and location; That's why there are more rents and less home buyingAnd you, what do you think?