But to sum it all up my new jersey properties where slightly out preformed by my out of state properties and it took longer for me to really be able to enjoy true cashflow from my NJ properties. 

Enjoy the community and don't ever rush the journey.

I've enjoyed some pretty massive appreciation over the past years around here.

I'm particularly passionate about BRRR, Mid term rentals, Money lending.Outside of real estate, I enjoy nature, travel, healthy cooking.Excited to learn and connect with you all! 

I also enjoy their YouTube content—super informative about how to use self-directed IRAs for real estate investing.

My main focus is to make sure my Mom has enough cash to live off of while she enjoys her retirement.

And although I enjoyed the first two days (did not have a credit score at that point so I didn't participate in that part) the last day was so annoying how much they pushed to sell.

I am still enjoying it.

In an unexplainable way, I enjoy having the HOA fee, but also do not.

If you intend to stay in the property long enough to recoup the costs associated with the prepayment penalty and enjoy the benefits of the lower rates, refinancing may be worthwhile.8.