I'd really avoid the primary markets that you mention as you're really too late unless you network and find a stellar off-market deal.

Hello Navy, is this a primary residence or an investment property?

I moved here from Switzerland 2.5 years ago as well and bought my first apartment (primary residence) last year.

If it's a primary, it's a bit highif it's an investment, it's about right what type of loan it Is and how many points you're paying also matter.

I would start looking at a primary residence first if you can get into a home for less than you are renting for. 

My research led me to BiggerPockets and I was enthusiastic about this platform from the very beginning.

So im I'm looking into a Cash out refi red on my primary residence to potentially find my first deal however unsure of texas refi laws can anyone help explain and answer questions on texas refi laws??

If it was not your primary residence, you would be taxed at the capital gain and the interest.

You can try reaching out via the vacation rental platforms to other hosts in the immediate area of that property to see what they do about cleaning - to get ideas or recommendations.

If you're 2 years from retirement, you need the least risky thing possible, which would just be paying down that primary residence. 25 years from retirement, you've got some time and can take some risk, since any bumps in the road will smooth out over the long term.