@Kelly Claiborne I'm the first generation in my family to be doing well enough financially to be able to afford an opportunity, but a fear of losing everything or even making a sub-optimal deal is holding me back at the moment.

I'm impressed with your optimism in CA multi family.

That looks to me like optimism about the economy.Oregon usually gets recession deeper and longer lasting than the rest of the country.

My idea of applying for HD credit card is primarily based on the objective of optimizing discounts on materials/appliances.  

By doing this, we can come up with a website name that is good for SEO (search engine optimization).

Hi Shanna - I specialize in the design and sales of policies optimized for leverage.

Very eye opening..The whole concept of "Why buy another property to increase cashflow by $100 when you haven't completely optimized your current building" is a great way to think. 

The biggest step I am taking to achieve this is optimizing existing relationships and building new ones.

However, I've heard about 6/12 month seasoning requirements, as well as waiving those requirements if you just want to be refunded original cost of the house less rehab (not optimal for me, lacking investing capital), and I've also heard this may be avoidable if you are renting out the property.

Google voice hack or another provider is fine, free would be optimal.