That is the thing that will eventually get you over the hump, not talking to realtors who, for the most part, don't know anything about working with investors and have heard the "once I get this first property, I am going to keep going" dialogue a million times.If you want to market yourself, the best thing to do is to walk a five-block radius that you really want to buy in.

My preference is to own a property, and to rent it out eventually, house hack, etc.

I would keep the property and eventually refi to help get your payment down lower.

The losses just pass into future years that will eventually offset future gains.

We did eventually get them, but again, things were still looking okay last year. 

Just make sure the cost of your protection doesn't rob your profit. 

These big-ticket items will still need replacement eventually, and having a reserve fund helps avoid financial surprises.

@Don Konipol  Don talk about a book on this subject by I think its Jimmy Napier which was written years ago But Don says its the bible I personally have not read it As I got my education working for a HML in Oakland CA and got on the job training as it where .He was a legend and I was very fortunate to find my way to his company and then eventually end up running it.

If somebody wants to get an FHA loan, then eventually turn that into a rental (short term or long term TBD), how would that typically work?

Some people pull a HELOC on there current property to do it, but it's like robbing Peter to pay Paul.