California though is so expensive that I want to try to create more streams of income with more properties.

I say hopefully because many of these payments are reduced or altogether eliminated by any amounts owed by the beneficiary to other government agencies, such as income taxes, loans, etc.Bottom line is that this is a business, requiring all the skills and assets and expenses necessary for all businesses.

I gave each of my checking accounts a nickname that was the minimum balance required to avoid fees. 

I’m much more into this than she is lol she’s not against it just doesn’t push for it like I do, in addition to the fact we will cut our possible mortgages in half if we both go on the same one)My realtor is pushing for us/me to look at more expensive multi’s as there’s less competition and potentially bigger returns.

Some of the older cabinets are more solid than the newer less expensive ones.

However, it's essential to work with a knowledgeable lender and ensure the property meets VA requirements.

The problem with Section8 is eviction requires 30 day notice instead of 3 days.

Unfortunately, Colorado has just passed HB 24-1098, the "just cause" eviction bill, which requires landlords to offer lease renewals to their tenants unless one of a few specific criteria are met (if the property is going to be sold, substantially repaired, or renovated, or if the landlord’s family plans to move in - but basically you can't put it up for rent to anyone else for at least 90 days).

You wouldn't be able to use a first time buyer loan in the future but there are other owner occupy loans you can use that require little money down.

I’ve already made some calculated evaluations in terms of the expected operating expenses, the mortgage, closing costs, and a 20% down payment.