One of our staff would calculate interest principal hand write it in the book and mail it back.. that went on for 5 to 7 years which were the terms of our notes.

In terms of lease agreements you can tell the tenet to leave and at what point? 

But I also think the real gains in real estate are not in cash flow but in long-term appreciation.

I cant tell you what to do , but investing in rentals over the long term has been great for me , some times there are more repairs , sometimes less , but thats just the nature of the business

Borrowing this kind of money to fund aggressive spend on growth in a high gross margin industry is once thing; covering Op-ex shortfalls is indicative of near term distress. 

Borrowers that purchased during the last 24 months, particularly with alternative mortgages such as DSCR loans at elevated rates could see worthwhile refinancing scenarios in the very near term just as any early payoff penalties are expiring. 

Who knows what could be coming next in terms of legislations.

Also, this would give more time thus putting you in Long Term Capital Gains Exemption if you've lived in the home 2 of the last 5 years. 

My fiancé and I are open to investing out of state and are actually in a trip in Texas to check out real estate see how we like the idea of staring a family here.Our Starting Point (Conservatively)- Located in Camarillo, CA- 120k portfolio in the stock market subject to short term capital gains with a potential tax bill of 15-20k- Current W2 monthly income after taxes: $7k- Side hustle 1 income: $200 month     ($200 in profit)- Side hustle 2 income: $1400 revenue     ($0 profit) - debt at 29k- Current debt: $47k     (Auto: $29k Student Debt: $18k)*the auto loan doesn’t show on our credit for some reasonHow would move forward in our situation?

Couple of things to consider for your question.In terms of software, it depends on what part of the management you are trying to work on.