What are your goals and the strategies that you was to use?

I can contribute to 23500 to traditional 401k, 8550 to HSA, and 7000 to Roth IRA.

Since moving into another fixer-upper isn’t ideal right now, consider leveraging your $40K for a low-money-down investment, like house hacking a small multifamily or using creative financing (seller financing, subject-to, or partnerships) to avoid tying up all your capital.

Quote from @David Brooks: I've received advise that our friendly STR loophole can not be used to characterize STR income/loss as non-passive on a California tax return. 

I'd strongly recommend against a single family home and only target properties with at least 2 units otherwise it'll be difficult to cashflow in this high interest rate environment unless you plan on using a large amount of liquidity in the purchase.

We now are looking to create an LLC and setup the necessary legal documents to protect both parties and layout the terms of the agreement.

Our bank will let us use equity that exceeds 25% across multiple properties that are either owned free and clear or where they hold the first so long as the deal still cash flows with however much cash is brought to the table.

Then stick to your guns.

Quote from Account Closed: Does anyone have a good software or tool specifically for sending quotes and estimates, I have heard good things about mortgage coach but its expensiveHey Account Closed, welcome to the BP Forum!

I could move over to Cleveland to use the same property management for a similar deal?