Just because he means well does not mean he knows what will help you.Your honest criticism is very helpful.

Hopefully my comments didn't come across as too critical Brian, That was not my intention. just wanted to give you some ideas.Good Luck!

Even if its criticism, anything is helpful!

I mean, it's just math.What I do like about Dave is that it forces people (like me) to look critically at their own bad money habits.  

Hi Margarita-Great question.There are many mental blocks and friction points to buying your first property.First off, just buying property outside of a first or second home to use is not done by most people and buying your first home is a major purchase for most people.That means the people in our immediate sphere of influence are not thinking about buying investment property, they see it as risky and out of a sense of protecting you or themselves encourage you not to do it.I remember having the same mental blocks and fears you probably do thinking about buying your first property or first investment property.The most critical thing to overcoming these mental blocks is self education and surrounding yourself with the best team of people to help you.An investor friendly Realtor who can refer you to an investor friendly lender, title company or closing office, property inspector, property manager, and insurance agent.Real estate is relational and having the best team will keep you out of the weeds.To Your Success!

I would love any thoughts/advice/criticism.

Competent means someone experienced with real estate (the most critical part) and with NM state taxation.

Both are critical parts of investing.

While its significance may sometimes be overlooked, generative AI holds the potential to revolutionize every facet of the real estate lifecycle, from transactions to property management.Decoding Generative AIAt its core, generative AI harnesses the power of data to generate fresh content or forecast potential outcomes.

You should alsohave a grasp on what other loan rules are, especially loan to values and disclosures this is critical to stay out of trouble.