Better if the company has a lot of info in writing that you can absorb to minimize this.

If you're considering Real Estate as an option in the future, I would not add the money to either of these accounts. 

Moreover, it allows you to set the terms of the lease agreement according to your preferences, which can help prevent misunderstandings and disputes in the future. 

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

The important thing is to get prequalified to see what the details of your future loan would be. 

There are really great REI opportunities in different markets - markets in the Midwest and Southeast of the country are particularly lucrative - where not only are the purchase prices reasonable for most RE investors, but the homes are turnkey (new builds or completely rehabbed homes, tenant ready, systems 10 years of life remaining on them, property management teams in place) with appreciating home value AND appreciating rent.

This is a great first step into your financial future.

Would love to connect and hear more about your journey and future goals—always great chatting with like-minded investors!

Time has a way of healing these challenges, and the lessons you are learning will help you avoid similar situations in the future.

This is perfectly fine if you are going to be living there a long time, but I see people who use a home as a stepping stool home to a larger home in future and make it very customized to their liking but then when try and sell it, it does not appeal to the masses.