10 yr down 70bips in 4 weeks, 20 just today, and if Sahm rule violation/longest inverted yield curve ever/and M2 - 4% drawdown all have >95% correlations each with near term Recessions, then maybe long bonds may be safest place to be for a while.

There are logistical reasons whey other lenders aren't here including the recording process, Puerto Rico's bond rating and lack of MLS / Comps.  

Mortgage rates are driven by the capital market and basically follow the bond market, specifically 10 year US treasury with a premium, historically about 1,7%.Yesterday the 10yT fell to 3.9% and I have seen 5.99% 30y fixed rates with a local bank in here Milwaukee (that is still an inflated 2% premium), so 5.7% would be historically normal based on a 1.7% premium, even without the 10YT going any lower.Here is why.If the 10yT offers lower returns, more investors want to buy mortgage-backed securities instead to get higher returns (about 1.7% higher), as a consequence lowering the returns on those as well.

You pay taxes on 401k withdrawals whether you are 40 or 60, so the 10% penalty you get is what you have to factor in with your decision.It's impossible to say whether stocks/bonds in your 401k or real estate that you acquire will do better over the long haul.

This figure includes the construction of the building but excludes land acquisition, permits, and other associated costs.Cost per Door (Unit)The cost per door, or per unit, in affordable housing projects can also vary widely based on the specifics of the project.Average Cost per Unit: Recent affordable apartment buildings built using public funds, such as Metro housing bond dollars, have cost between $412,000 and $522,000 per unit.

No real risk beyond just the risk that goes with having any stocks or bonds. 

I also get baby bonding through CA, which is paid family leave, and I plan to use this strategically to spend more time at home.When I buy the starter home, based on my calculations, I'd be saving around $6-7k per month.

They can verify it meets current law, explain some of the more complex clauses (e.g. joint and several liability), and maybe provide suggestions on where you could strengthen it based on their experience.In my experience, most attorneys have very little experience with landlord-tenant disputes.

I know in Washington state a home owner can do their own work including electrical and plumbing, but as you pointed out has to live in the property for 1 year after completion.If you get licensed as a contractor (in WA state it takes some paperwork, filing fee and insurance/ bond, no test, no experience etc.. )  Then you do the work under you contractors license and no holding period needed. 

.: @Chris SeveneyI've posted on other threads - i'm not really changing my strategy in response to the macro changes, just accepting less cash flow as long as I get the other benefits. mathematically speaking this is given as spread between bond and appreciation/cash flow has reduced LOL you would be okay as you are veteran on this lol