That same day (after the closing) I realized there are major misunderstandings between me and the contractor ($10,000 worth of misunderstandings).

We're in NYC, when you're ready for financing let's connect!

When it drops to one months worth I do an online order and it arrives within a week. 

What if that S&P 500 ETF was also worth only 50% of your initial investment?  

I recommend you avoid Section 8 until you've spent a few weeks learning more about it and deciding whether it would be worth it to you.One thing you need to know up front is that there's a lot of extra paperwork involved.

I have a paid-off investment house in Austin, worth about 385k.

Congrats on your graduation  Rolando.In my opinion you should go for a conventional FHA  than a 203k loans  because 203k has extra fees  of your 3.5%  they work kind of like hard money lenders the only think is that the rate is lower than a hard money lender but higher than a conventional FHA  I just bought my first house here in Oakland California using 203k loan which works for me because I had  to renovate the entire house $125k of renovation with a rate of 7.6 and is been 8 months and I am ready to refinance to Lower my payments and the rate .In my opinion is worth it 203k loan if your repairs are over 100k  for all the benefits that you get with the city and sewer company. 

Hey im down to connect

It's worth mentioning that at my event, there was a heavy mentorship program that was pushed at the end.

Another thing I think that is worth noting is for people who don't have much of a net worth or much opportunity taking a calculated risk in real estate can be a great way to bring some freedom to your life down the road.