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.

If the numbers don't work, don't do the loan/deal/flip etc...IMHO, you guys are making the loan process out to be way more difficult and dramatic than it really is.Stephanie

Our family's life has changed DRAMATICALLY since we moved to Austin less than two years ago.

I will also try to post some of the less dramatic successes from the last few months.

Energy is a major player but tech, healthcare, financial/insurance, manufacturing, and dozens more employment sectors have expanded dramatically dues to a very strong pro-business environment, reasonable cost of living, and quality of life factors.What are the downsides? 

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?

But if you're rehabbing the property, you're putting in sweat equity to boost the price of the property vs what you bought it for, and refinance 6-12 months later for a conventional loan rate.You mentioned that you don't have the funds to purchase or rehab.