Hi @Christopher Oliva,1) I'd be surprised if it's any different in Texas, but in California the rates/profit/etc for all down payment assistance programs are set by the non-profit and lenders brokering them in have zero ability to raise or lower them.

When I come to Tahoe to visit my sister, I'll see if you're available to grab a coffee or attend a meetup! 

I have been looking in southern California surrounding LA for an owner-occupied investment property.

However, I have equity in a California rental. 

@Andy Rousch and @Chris Sellers My preference is investing in condos, easier to manage, easier to rent out in my investment markets of Washington DC, and Orange County California.

Hello BP.After listening to the podcast as a means to learn about something new, it quickly turned Real Estate Investing into my passion. I am currently an undergrad student studying Business Finance and will be gradu...

I grew up in Guam as well as California since my step-dad was in the US Navy.

I am a OR broker but inactive this year.. my wife made me.. since I have not really sold anything in 5 years or so.but I keep my CA brokers license active so I can legally take referral fee's if those come about..

I suggest going to your local Atlanta REIA group  and visit their site if you haven't done so already.

At a certain point, I can see the scales tipping to paying off the loans, but if you are in your growth phase, leverage is the name of the game. someone posted above on how you go through phases and no question debt is necessary to scale.and its a balance of those things and personal decisions if you want to Dave Ramsey it or BP it.. for me though and having a front row seat to the 08 to 2011 melt down and the 89 to 93 CA melt down.. thinking your protected when you have 75 to 80% LTV loans is just kidding yourself.. you have no equity.. in those scenarios  ... and exits can be painful if values drop even a little. and you are in need of exiting.. or your leveraged to the hilt and your cash flow drops by 20% most folks would be in trouble..