@JD BockThis is killer advice.

But the commute is a time-killer.

that analysis paralysis is a killer!

Unless you need the cash to get into another killer deal, I would keep it and pull the money out with another loan 

You're doing an awesome job and asking all the right questions.So here's the deal, I've used HomeGoods to deck out my own MTR, and let me tell you, they've got some killer stuff.

Not only are the taxes a little higher, the killer are the mandatory HOA's. 

For instance in Memphis you may find something that looks like a KILLER deal (especially coming from a Ca viewpoint) but with more detective work find out that it is surrounded by boarded up homes or is one street over from the war zone.

I'd love to find a nice multi but that 20% down is a killer.

My last two have been one solid deal and one killer deal.I've extended my search area.

The other thing we've done when offering low is to let the seller know that if the property passes our inspection and we'll buy it at our price "as is" and we're not going to try to nickel and dime them to death for every little wart found during the inspection.We're looking for deal killers on the inspection, stuff like major foundation repairs that would price the house out of the neighborhood.