I have been driving around after looking throguh the listed tax delinquent properties in the city (98 pages worth to scout out the multi family). 

In 2020 the house was 75% done and I had to re appraise the house and get a new loan to pay off all my credit cards, personal loans, etc.

@Dan KielySugar Land and Katy are family-friendly suburbs with good schools, a strong job market, and a safe environment, but have higher property taxes and commute times.

What happens if you sign a lease and they never pay your required "deposits"?

Paying down principal doesn't reduce your risk of losing the house.

ADUs can provide additional rental income, which can help offset mortgage payments or other expenses.Extend your homeowner's insurance to cover the ADU.Be prepared for potential increases in property taxes due to the added living space.Given that your property is not in a dense urban area, make sure to check specific local regulations as they may differ from city regulations.

I pay $14k and keep 3.5% interested rate and $1900 payment or no upfront payment put interest go to 7% with $2500 payment.

What are the pros/cons of paying all cash vs taking out a loan for the first investment? 

I wanted to be close to the Bay Area but have better landlord tenant/laws, strong appreciation, low property taxes, diversified job growth, population growth, etc. 

How did you pay off the properties so quickly?