The banks thought I was a dead beat because of my debt to income ratio.  

June rolls in and the work was still not where we needed it to be. At

Lowering prime will extend "inflationary" pressures, ironically a recession (a real 1 not covid) would actually be faster than what's going on now, but I don't think that's going to happen. 

Being able to shuffle leads from MTR to MTR is a huge bonus and you can benefit from the economies of scale faster. 

San Antonio is hot in the summer.I will compare my return on San Diego purchases against any market, but if you plan to buy rent ready, I think many markets will beat San Diego in the short term.  10 years or more out, I suspect few markets will beat San Diego.  

I will be at the two year mark in about 5 months.Hopefully, improved supply chains, permitting in the city, and being further out from Hurricane Ian helps new construction in the area, as a whole.

Once you are familiar with what a good investment looks like, then you can create a rule of thumb to help you analyze property faster and only dig deep on the ones that look promising.Here's a guide that describes what good cash flow looks like and how to analyze a property.https://www.biggerpockets.com/blog/rental-property-cash-flow...

Time in the market beats timing the market!

Quote from @Chris Seveney: Quote from @Devin James: In 2021, we saw buyers upgrading to larger homes, taking advantage of 3% interest rates to afford an extra 300+ square feet.Today, smaller homes are selling much faster as higher rates make additional square footage less affordable.While rates are historically average, I don’t see them dropping significantly.

Later payments if after the one year anniversary would be at CapitalGain rates.