BOFA has 3.18 trillion Assets, most earning prime +, so north of 8%, but the bare minimum they would earn would be 5.33% with any cash deposits parked at the FED reverse repo facility, which equates to about $470,816,666 per day in interest, So delaying a digital payment for a week is like 3.5 Billion dollars across its portfolioAnd I love that despite tbills going from near zero to 5.4% over last 2 yrs, BOFA/CHASE still paying its depositors the Princely sum of 0.01% on savings accounts.

So I have a bare lot I am selling.

Combined my wife and I make around $270,000 which sounds like a lot but in the SF Bay area its barely getting by.

.- Understand the areas that are most in demand for renters are likely the areas where owner occupants begin to push purchase prices to the point where the property barely cash flows as an investment at first.

But let’s say you buy a property for fair value, and it just barely cash flows or you just break even.

Is that part of the definition of over leverage, with rents barely covering my monthly expenses? 

I QUICKLY found that my guests who are working class New Englanders barely wanted to use Air or VRBO let alone talk to a bot or get automated messages.

@Dan PaneaAt the bare minimum, you should do the following to make your bookkeeping easier:1 Dedicate one checking account and credit card exclusively to real estate.

@John Solis - Sent you a PM. 

Since you are just graduating college you may already realize that it's not what you know, but who you know (as a personal note, I had college friends that were barely passing their classes however they ended up with really good paying jobs due to "who they knew").