I got a 3% mortgage, and closing costs covered.

We have enough capital now to purchase a property and and we are blessed to have capital left over every month as well, which we typically invest in CDs.Here are our current options: 1-Buy a turnkey place that has nothing to do with mom for cash flow of $200-300/month plus potential appreciation, overall ROI of 15-20% 2- Ask mom if she would move closer to us in San Diego, buy a small place here, have zero cashflow but at least we have another property in a great appreciating market and are no longer spending the $800 on her rent3- Buy a place for her in Orlando, same scenario as above but obviously a lesser mortgage since its FL and not CAWe found a great turnkey company we liked so if we do option one I think we will use them, but it just feels like if we do that we will still be tossing away what we currently pay on her rent. 

Hello,I am seeking input from appraisers, lenders, agents, or experienced house flippers on the affects of HOA dues and home valuations.

HI Blake,You can always start off by house hacking meaning you live in one UNIT or ROOM and renting out the other vacant units/rooms to offset your monthly mortgage payment.There are several ways to run and make sure you are maximizing your rental income while keeping your living expense as low as possible.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

New home builders are offering great rates with their lenders and paying closing costs, with a VA loan you can put 0% down, its insane.

Use your phone create contacts Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

I recently filled out pre-approval application for a mortgage, however, the lender did a hard pull and told me they came back with no score.

Start listening to the BiggerPockets podcast starting at the very beginning and start growing your network, look on Facebook/BiggerPockets for different events, find a mentor doing what you want to do, and get to know the local lenders/brokers.

I haven’t found any great investor friendly lender.