To your original question Karen, as private lenders you are going to get deals where borrowers have low credit scores or are in tricky financial situations.

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.

Who wouldn't want to have theoretically infinite returns with 0% down payment, low interest rates, and have the deal structured for them in real estate as long as they earn 100k+ a year for most deals in the 250k-1M dollar range?

You can hire a cleaner to clean, charge the tenant who left the space dirty and not leave your high-paying job to do low-wage work. 

Poor financing terms can be beaten, of course we all want the lowest possible rate, max leverage, and low closing costs. 

I'd love the opportunity to provide some low numbers for your next round of financing,After all, in both fencing and real estate, it’s all about finding the right opening!

After we move in 4-5 years, I would rent out both units.Pros:Potential for long-term appreciation in San Diego.Cons:The property will not cash flow enough to cover the mortgage while we are living there.After we move, it would provide very low returns and minimal cash flow.Would require a significant portion of my liquidity, making it harder to invest elsewhere and grow my rental portfolio.2.

Allows buy low and get an inspection if possible Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

(for the low 200k properties, I'd look around military bases - good demand and disciplined tenants..)

. - If I were to find some creative renter solution and low-ball the market rent at $1700, I could only put in about $180K total assuming a conventional mortgage to generate acceptable cash flow.So, apart from increasing rent and managing the property myself what are ways that I could make something like this work?