If some of you have tools that will make me gain some time or know some "friendly cities", I am all ears.ThanksMoshe

Wholesaling is a great low cost way to make a lot of short-term cash, but it does not build long-term wealth.

A refi makes more sense if you plan to hold the property long-term as a rental.

That's one of the fastest ways to lose money. 

If you leverage it by borrowing are you making any $?

you may have to save up until you have enough money to do so - down payment, closing costs, reserves, etc.House Hacking: What Is It, How to Start, and Strategies for Successit's a more powerful way to get started. 

Meanwhile, bank money market paying 7.5%. 

Make 2025 the year to build those relationships.Cheers! 

So PLEASE don’t make another huge financial decision and then tell that same person after you do it.

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.