I know that the general guidance is that emergency funds aren't to be invested, but given our financial security and the fact that we already have a personal e-fund in a safe, non-volatile location, would it still be crazy/unwise to invest this 15k in an S&P500 index fund in a brokerage? 

His response to payment? 

There are bridge & DSCR lenders that can finance a non-warrantable condo.

Lastly, ADUs are allowed for NON owner occupied properties, opening this strategy up for investors who could convert a SF into two units. 

Financing as a non-US citizen might be a challenge, but it’s not impossible—I’d recommend reaching out to lenders experienced with foreign investors early in your journey.A few general tips:1.

I do direct booking through the Houfy website, taking credit card payment by Square. 

Institutional lenders will look at your non/short employement as a negative. 

You can often get better rates with a national lender, but the customer service is non-existent, communication probably sucks, they may ask for the same documents multiple times, etc.

We've seen 3% for 100+ unit apartment complexes, but they also have onsite staff not included in the 3% management fee.Two other pricing options to properly understand:1) Fee charged based upon tenant payments or just occupancy.

-Allocate a portion of your funds toward extra payments on the current mortgage while also setting aside money for a new investment.