Did you buy your primary home plus house hacking it?

@Seo Hui Hanthat's just the BRRRR strategy, and using borrowed money for the buy.it's just about risk.low risk: buying with actual cash, from your own checking account. 

Do you think it’s better to buy a single family rental in the Saint Pete or the Tampa Bay Area?  

I'd never buy a development unless I was confident in the valuation and there was data to back the feasibility of the build. having preliminary approval is very different than permit ready where you can put a shovel in the ground day one.

The third pic is ten percent down with us us buying the rate down to 4.5 percent.

In the end we did not feel like we had a lot of choice because we really did not want to lose the contract to buy the house.

IF you're in a HCOL area or HCOL region in a normal area, definitely add a bathroom it's a huge appraisal add and game changer. 10-15 years from now when you sell, nobody wants a 3/1 now and won't then. 3/1s stay sticky in any market I'm in, I'll buy distressed and add 1-2 bathrooms and get a huge return on just that. 

This means we need to buy under an LLC and not our personal. 

Quite a bit of risk associated with the process and from what I am hearing from those who used to be more active buying tax sale properties in Philadelphia the risks are no longer aligned with pricing concessions.

If you just want to pick investor's brains, I'd start DMing people in your market right here on BP and buying them lunch or coffee.