or ways to reduce our expenses on mortgage every month. we both make about $105k each yearly. but with us planning to have kids in the future, she may stop working.Any advise is appreciated THANK YOU!!!

And Chula Vista or Escondido are great areas for first-timers who want to stay near SD but reduce entry costs.Network at local meetups like “Beers and Deals” - The connections you’ll make there can open up off-market opportunities.Where did you end up starting starting - SD, or did you end up in nearby markets to get your first win?

1) cannot qualify for traditional financing2) fears appraisal will come in low3) fears buyer will back out so reduces contingency optionsnote for cash purchase I expect a significant discount.  

All else being equal, lower mortgage rates reduce the cost of ownership and, thereby, allow more people to afford to buy.

I again state the problem is with the underwriting.  8.5% vacancy, pm 15%, 25% turn over (using my reduced numbers) or 37.5% using your actual, my minimum maint/cap ex would be 50%, prop tax, insurance, missed payment (seeing my vacancy only included the one month turn over), P&I?

I thought people would just refinance their loan if they got it at a high interest rate, reducing the risk of jumping into the market at a bad cycle.

It will reduce your travel and time costs when building a team and looking at properties. 

Even though classes would all be remote, All of us were for sending him off to school and were thrilled when he won a lottery for the reduced capacity dorm.  

Lots of new supply now with reduced demand.

With that in mind, which approach do you think works best:1.Use property management software (PMS) as an intermediary to automate payments and fee splits while reducing legal risk and simplifying operations?