I have a friend who just bought her first investment property, but labeled it as primary residence, obviously had no intention to move there.... she was even bragging about it, but it's whatever... let the banks solve the puzzle, not you, not your problems.

The agreements you use, also, are a critical part of the puzzle. 

There's 5 doors to consider, so this is just a puzzle I'm trying to figure out and I'll try to explain this the best I can, but hopefully the image below helps. 

Listening to your goal session from 5-6 years ago can really be an exciting process.Revisit Your Goals RegularlyThe final piece to the puzzle is revisiting your goals and adjusting on a regular basis.

Its puzzling right @Joshua Poitras, if I can get any traction I will let you know.Thank you

The biggest piece of the puzzle is transit as you go further from SF/Peninsula.

In fact, the utility company is only one piece of the puzzle. 

I am still a little puzzled at this calculation and yours because the great cash flow potential is getting just passed up. 

I tried to puzzle through a form and my head started hurting,

He is puzzled that the tenant had nobody to borrow $100 from.