I was early, but I do now think they will pause cuts starting with their next meeting on January 29th (just 9 days after the inauguration).Folks in the press are already calling this month’s rate cut a “hawkish cut,” meaning that Fed Chair Jerome Powell will take time in his press conference tomorrow to downplay the speed at which the Fed will cut rates in 2025.

If you don't meet that 12 month seasoning requirement and/or want to hold the property under an LLC, a debt service loan may be a better option.

If we meet a resident through an OTA, we enjoy certain protections with that platform, but if, at any time, the resident wishes to extend, but not through the platform, we require the same background check, credit check, and eviction check as for anyone else not booking through an OTA. 

Don't just find out how it's all licensed and check on any historical issues with it, no you want to meet with local board members, find out how they really feel about the place and what the cities wants and plans are for the place.

So, I called the appraiser and explained that I would meet him on site to go over the paperwork.  

I live in San Diego and am trying to purchase my first investment property I have about 150K to put down but am struggling to find deals that meet my price point. 

Have you considered dropping by one of your local REIA meetings to see what lenders your peers are using?

Speaking of iteration, allow me to share with you the iterations and processes we go through in our Multi-unit Acquisition Program: After a client gets pre-approved for financing, we go through multiple deals to find the best ones that meet our metrics.

.  --- From the zoning code it says, an RM-2 zoned lot can have "1 unit per 2,500 sf. of lot area"If you don't meet that lot size requirement you'll need to make a request for a variance, then post notice about the desired change in front of the building.

Attend local real estate investor (REI) meetings and get to know people.