Gotta have some skin in the game. 

In the end, you have 2 choices when there is a change, blame the system or find a way to win the game.

To me it’s a challenging game, an intricate puzzle where if you learn how to play you get great results.

I may have to start smaller and that's ok too, at least I'll be in the game.

Don't hate the playa, hate the game.

Person new to real estate trying to get in the “game” with little or no capital and trying creatively.  

Within a year, the property was cash flow positive and had appreciated significantly.For you, I’d suggest:Look into ADU laws - They’re a game-changer in San Diego, especially if your partner is handy with renovations.Expand your market - @Dan H. makes a great point - it's a competitive market here!

If your game plan is to pay it off with prepaying all your money you absolutely need a HELOC however don't need to use.

I recently came across a piece in Forbes talking about how quickly rental dynamics can evolve when population growth spikes.I’m based in Phoenix and have been in the real estate game for three decades, and a close friend of mine recently reminded me how the right connections can shape your entire strategy.

Nothing wrong with being a bit new - there are options out there for all stages of the game.