You look at this balance sheet and you see $500,000 in loans to 200 Walnut Street listed on Line 7a.

Using mortgage debt at 6-7% on a refinance to pay off higher rate debt such as a credit card at 15-25% is a savings!

Once you master it, its an awesome tool.Like the other members say, you can easily find it online, however, i strongly recommend you watch the videos (that come with the calculator when you buy it for a lil over $100) so you can learn how to use it properly.

If you want to talk condo law in Hawaii, I can tell you the aftermath of the Lahaina fire makes me hesitant to have an HOA ever again, but we will save that for the blog!

Simply put that money in your pocket and save it up for repairs. 

A good tax professional can save you more than they charge you. 

and if you don't have enough money to house hack in San Diego... save up until you do.and if you want to move somewhere else, house hack there. 

Wondering if I should just wait until rates drop and refinance into the LLC or do the quit claim deed (and no HELOC) and just save up for my down payment for the next property.

Build a Network – To get your name out there, you can join local real estate investment groups, online forums, or platforms like BiggerPockets.

Hopefully you have at least 6 months reserves saved up to start.