@Jordan BrownSince Orange County and Santa Barbara have high housing costs, using an FHA loan for a house hack could be a smart move, allowing you to put less money down while securing a property.

Alternative strategies include tax-loss harvesting to offset stock gains, using cost segregation and bonus depreciation for real estate deductions, or deferring real estate capital gains through a 1031 exchange.

Purchase price: $317,000 Cash invested: $55,000 I acquired a Quadplex in 2021 with an FHA loan, investing ~$21,000 in down payment and closing costs, plus $30,000-$35,000 in remodeling.

Some of the best ones are offering rates as low as 5.75% at no cost to you, it just requires a 30% down payment.

-While rent would be more expensive month by month, the idea of being able to take my equity out of my home and also being able to reduce annual repair costs, property taxes, etc. does seem appealing to me. 

Go ahead and file.In real life it costs you time to figure it out and money.

That mean the upfront costs could be up to the low 6 figures. 

Generally these will have a shorter maturity and higher costs. 

B borderline A market, is the cost to build worth the risk atm?

And the reality was I only put 20% down plus closing costs.