I could stomach dropping rent a few hundred a month per property if I have to.

This payback each year would drop my equity 1% each year until I hit 20%, at which point the preferred payback would end and the rest of the money would stay in.At this point, we needed to take out loan of ~$670k to finish renovations. 

With that in mind, has anyone tried listing on zillow and dropping a note that says you'll offer the commission for any agents that bring tenants?

Trouble is that crash seemed like a once in a lifetime drop to that level...Although you can still make money on appreciation due to the high dollar amount of properties here, it's a slower boat now than before.

If you are trying to send direct mail, make sure your list has at least a thousand records and you're following up with them every month until response rate drops below 1%.

For steam your boiler has to go to a higher temperature then hot water.

Unlike a FHA, most of them will drop PMI when you hit 80% LTV.

also when you refinance your cash flow will drop.

And she told me how hot the local RE market is in Boise, with everything going up every day...Well, for those of us in the Bay Area, RE price peaked in 2018, and has been dropping 10% ish since....

And if you are ever visiting home, please drop me a line.