You can find SF properties that already have in law suites, garage units, etc, and now legally rent those, so it should increase the appraised value significantly.

For me, I could handle the increase in cost and still pay much less than If I got a 4/2 SF.

I have spent the last few years reading many books on real estate, taking real estate courses, researching, saving as much as I could, investing (to increase my purchase power) and finally feel I can begin my real estate journey this year. 

There are two ways to do this decrease spending and increase income.

I will be sure to increase my rice in the future!

By making yourself an asset, you’ll increase the chances of someone taking you under their wing.Use BiggerPockets to connect locally.

Depreciation recapture applies at ordinary income rates capped at 25%, increasing your tax liability.

Not only have they taken all of those steps, they have taken subsequent steps in less than a week.

If you can get your Vantage Score up 50 points, you will see positive results on the mortgage scores as well, it just may be 30 or 40 points or could be 60 to 80 point increase vs Vantage increase of 50 points. 

While rates may not decrease, the significant double-digit increases should level off.