Our goal is to increase our net worth, to help supplement retirement income down the road and to currently provide a stream of cash flow to enjoy some of the finer things in life.We both work full time in professional careers and have so far found a way to manage careers and the real estate business while keeping up with two kids (15 yrs & 20 Yrs old).  

if you can fix some yourself you can save tons as you learn the ropes.  

Closing costs can add up so Ive always tried to avoid them (unless you significantly save on the interest rate)Most big banks will loan 75 to 80 LTV and having a signed lease to show income on the property will help your debt-to-income ratio. 

Right now trying to educate myself and save for some capital.  

I make a decent salary for the Bay area, have a good amount of savings and don't have many expenses outside of rent and student loan payment. 

He said he'd save my number if he decided to sell.

I would like to have this rate dropped to current market rates and save them (and myself) some much needed money.

The following link covers the Roth IRA conversion rules. https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras-rollovers-and-roth-conversions

I'm saving this page for future use.Brian

If this is your way to get a NJ address and out of New York City and you're a high income earner, you can factor in saving on NY City income tax.