Start earning return in 3 years. 

I'm fairly new to JC and earning these Rookie strips as I learn more and see what value I could bring as well.

Quote from @Austin Wolff: As someone who lived in Los Angeles and also needed to invest out of state, I've dedicated my career to market analysis and selection, and I personally think you've chosen pretty good markets.

Price to earnings.  

.- I went to a top college and have a very stable career with great income.

It earns more risk-free in money markets than your mortgage rate probably. 

The premise of the time value of money struck me: "Money in hand today has earning potential, and we can turn money today into more money tomorrow by investing it."

Kiyana, you should be very careful because it looks like you are trying to commit loan fraud which could ruin your investing career.

It also depends on your goals and how safe/aggressive you want to be, how much you want it to earn, and what meshes best with your lifestyle. 

I think it was my fault and my ignorance for allowing him to convince me to re-finance properties every 3 years and I think he re-finance 3 of my properties 2 times meaning he earned a $20,000 commission for each property 3 times, or he earned $60,000 for each property just for being my broker.