Getting a commercial loan can be like getting your first job.

A great way to get started if you currently have a W2 job is to buy a house hack like a duplex or a fourplex where you can move into one of the units and continue to rent/manage the other units.

Please keep us posted as you and so many in SoCal are experiencing genuine hardship (whether it's the loss of a home, belongings, jobs, etc.).

You just have to be careful because some sales agents will just advise you to over improve the property because it makes their job easier.

The revenue and expense categories line up with your Schedule E which makes it a breeze to prepare for filing your taxes and I like the reporting features, too.

(https://www.mynd.co)One of my co-workers at my last job (pre-covid times) used to work\invest with them, so I had probably registered on their site back then.

I have a W-2 Job, capital saved up for a down payment (or two), and a buy box based on my affordability.

Baselane has the added advantage of synching with your Schedule E you'll use at tax time to file your taxes.

Sure, I could look for a higher paying job, but I was wondering if anyone has any creative short-term methods to improve my ratio.

He learned a lot about what to do himself, what jobs to hire someone for, and just how long it can take when you are by yourself.