It shows individual gains and ROI over a 30-year period, which helps identify which factors provide the highest returns and make informed investment decisions.In your case, even if you're not cash-flowing in the first year, since the negative cash flow is minimal, I’d still go for it.

I know this is not going to be immediate...I will be making mistakes, I just want to minimize the damage of those mistakes!

@Teahjsia FrazierTo build a portfolio and replace monthly income, consider strategies like leveraging your current home with a Home Equity Line of Credit (HELOC), using FHA loans for low down payment, renting out your current home, using creative financing options like seller financing, private money lenders, or partnerships, building cash flow with smaller deals first, using the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat), minimizing expenses and maximizing savings, and continuously educating yourself through books, podcasts, and networking groups.

By way of example, I picked up an oceanfront condo in March for $640K, minimal work needed to be done, only changes for my aesthetic/brand purposes and here they come turn key so only updated what I really needed to (which also gives you an opportunity to cost segregate).  

If things are tight or you don't have expendable income to invest I would go turn key. 2-4 unit properties would be great, the goal is to minimize your monthly housing expenses to save so if you are occupying a unit you will probably not cashflow

These guys look like they could use a trim for sure, and if they are solid mature trees with no rot, they are minimal to no risk to the house. 

As someone who's never invested in real estate before Puerto Rico is a very difficult place to start, since of how minimal public data is. 

It involves minimizing living expenses, building equity in one property, and leveraging that equity to buy another after a year.

After we move in 4-5 years, I would rent out both units.Pros:Potential for long-term appreciation in San Diego.Cons:The property will not cash flow enough to cover the mortgage while we are living there.After we move, it would provide very low returns and minimal cash flow.Would require a significant portion of my liquidity, making it harder to invest elsewhere and grow my rental portfolio.2.

Lastly, the "right to rely on instructions" clause suggests the QI has minimal responsibility to verify the authenticity of communications, which could increase risk.