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?

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.  

For example, we might arrange a shorter penalty period or reduced fees if you expect to exit the property within a specific timeframe.Ultimately, the key is aligning your financing terms with your exit strategy.

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!!!

Because the 8% is only on the principal that gets reduced each month and when that principal comes back in the door, its not getting reinvested immediately.

But it’s clear you’re a smart investor who knows the long-term benefits real estate can bring.I keep reminding myself why I stick with real estate: you can make money every month in four different ways:Cash Flow – Passive income to live on.Appreciation – Long-term property value growth.Depreciation – Tax benefits that reduce your taxable income.Tenants Paying Down the Mortgage – Even if you’re paid off now, this is one of the biggest wealth-building tools for leveraged properties.It sounds like your main struggle is the stress of active management—and trust me, you’re not alone.

Who gets to decide if a repair that appears to be needed is real or fictious, created to reduce the net available to the lender? 

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

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.  

Raise rents, reduce expenses (shop insurance, appeal taxes, refinance, etc). 3.