.:  Best detailed response I have received.

Lastly, agreed 100% with Stuart, you can't go into it using best case scenario assumptions and allocations.

Financing seems to be tricky with IRA hence feel that its best to buy with self funding fully.

I've heard Trump most signed an executive order to eliminate reduced rates for section 8.

But don't let them know it.It amazes me how many of our members at MassRealEstate dot net have an Asset worth $300-500k Rent it for .5-1% of value and hardly pay attention to it, yet chase a tenth of a percent in CD rates;-)

My best advice is to meet your lenders face-to-face at real estate clubs, conferences, or other professional events.

As an example, the changes they've made to the Classifieds section are in my opinion the best the site has ever had.

If you're willing and able, I do recommend the "house hacking" strategy which is just a fancy name for buying a rental property and living in one of the units, because you'll get very favorable financing - an owner-occupied fixed-rate 30-year mortgage.I'd also say, analyze that property as if you won't live there and it's a pure rental, and make sure the property is still cash flow positive if there's a tenant in your unit because then you'll know if it's actually a good investment.And when you analyze it, include payment of a property manager in your #s because if you don't, and doing so would make it go cash flow negative, then you've just bought yourself a job because you literally can't step away from managing it without losing money.

They already lost some major players due to the state capping rates https://www.foxbusiness.com/lifestyle/california-insurance-c... will all insurance companies stop coverage, raise rates or reduce what they cover?

Since this is something that is best done with a team of experts that know a lot more than I do I am putting this request with help from the bigger pockets community to get me started on my road to success.