I stayed here by choice, precisely because of the opportunity I saw in this market compared to CA.

Is MA an unwise choice? 

There are people who misused their IRAs and lost money are a result of making poor investment choices or violating the rules and getting their IRAs disqualified, therefore losing money to taxes and penalties.

However, I am trying to figure out what I can do now to start the process, and how I can achieve my goals within a reasonable time frame.Like you said, would it be the best choice just to lower the payments on my current home so that renting it out would be more lucrative?

Common area electric expenses would be low to nothing except maybe some demand charges, making electric components the better choice.

The article almost made it seem if someone made a correct choice by being 'savvy', they would avoid taking depreciation and make out better..

If given the choice of one or the other, they'd prefer appreciation over maximal cash flow.My goals: Help them find a property.

@Jordan Leithart I wouldn't necessarily focus on just one market, at least not until you've drilled down on all the ones on your radar, but what I'm saying is to take personal motives out of your choice.

Because my goals are aligned with staying in a specific area and not out of state investing. but if  the numbers you want to get ($150 a door & 10% COC) are only out of state you can either follow your numbers or stay as a local investor. but if you dont know which type of investor you wanna(aka your goals) be its gonna be impossibel to make that choice

On the other hand, I look at a someone who willingly runs up a credit card or a cable bill, and forces the company to send them to collections, as a personal choice and more indicative of someone who makes bad financial choices.