This means that if you pay off the loan too early, then you'll pay a 1-5% fee off the loan amount. paying off the loan early means you either refinance or you sell the property, both would trigger a prepayment penalty to the lender. that being said, you can choose your prepay options, 5yr usually giving you a better interest rate by like a 0.25%, 3yr being most common and standard, and a 0,1,2 yr where you can buy down the prepay to be less years. meaning you pay 1% upfront of the loan amount to get a 1yr prepayment penalty so you're free to sell the property or refi after 1yr. 

Most of the large lenders have affiliate programs and will teach you for free to represent them.

You can determine if the cost segregation study makes sense by speaking with your accountant and many cost segregation professionals offer a free analysis.

Additionally, we have Samsung Plus, which is a free streaming service that for the most part is comparable to "basic cable", but without the local channels.

There is a free web site you can list your section 8 rentals on. 

You earn way to much W2 income to not own more properties its just CA is crushing your dream and passive income.If you want to see examples feel free to reach out I would be happy to show you what I mean by sharing which counties and areas. 

ANY company or developer that has to give you a free flight, hotel or car stay WELL AWAY... they have to do that for  a reason as they dont have a good reputation locally.Happy to advise for anyone wanting further UAE knowledge on real estate.

A Property Manager can also assist with understanding local regulations and the practical aspects of property management, ensuring you make a well-informed decision.Feel free to share more about your specific needs.

Feel free to shoot me a PM.

My sister lives in Houston and has free time so I did briefly look into it last year and did not really love what I saw.