It’s so mental but if you have stuffed feelings of hatred against the successful people you see you actually are also going to judge your future self for becoming successful and likely sabotage it before you get there. 

@Tanner KingWhen I analyze a house hack deal, I focus on metrics like GRM, Cap Rate, Cash Flow, House Hack Savings, and Future Rent Potential.

These will be LTRs and I will most definitely be playing the long game with these.In addition, as rates go down in the future (hopefully) I plan to refinance as most of us do.

I sacrifice today in order to reap the rewards in the future. 

Quote from @Spencer Elliott: Long story short, land is on loan and I’m purchasing a manufactured lot as a temporary home/future ADU to my final build.

Higher loan balances we would likely see an opportunity in the future to refinance again due to lower rates so consider a 2-3 year prepayment penalty.Of course if you qualify for Conventional Financing (Fannie/Freddie), there are no prepayment penalties so just calculating out the return of investment timeline on point buy downs.Good luck shopping and let me know if you want to talk further!

Quote from @Lorraine Hadden: Take these California Malls ---- Eastmont Mall - Closed (Oakland); Carousel Mall - Closed (San Bernardino); Laguna Hills Mall - Closed (which was featured in BACK TO THE FUTURE); and the Village at Orange - Closed.

If possible, in the future I would try to obtain a copy of a standard Condo questionnaire from the HOA prior to the mortgage application process and ask your lender to review it in advance in order to mitigate some of the time and costs risks associated.

If rates go down in the future, we likely will have another run up in prices, so it might be worth it to Airbnb while waiting that out for a couple of years. 

Good luck in your endeavors.