After that's under control, focus on increasing income through additional work at your current job, taking on a side hustle, or finding ways to increase income on your existing rental.At the same time, educate yourself.

But this comes with pockets of C/D neighborhoods, and higher potential for headaches;  in addition, appreciation in these zips has probably maxed out for a while.

In most single family zoned areas adding a single ADU is not a value add meaning it will not add more value than the hands off cost of the addition.  

My goal is to live in the home during the winters, maybe 3-4 additional weeks for vacation, then rent it out to help cover the mortgage the rest of the year.  

Can you share some additional numbers about the investment property you're looking to buy?

Yes, I’ll check with regional building, but curious for additional thoughts here.

@Kaylee WalterbachI would like to learn more about this Momentum 2025 Summit, where can I find additional information?

In addition, I've helped many other investors finance their deals as a mortgage broker.I'm happy to share my experience as both an investor and lender.

@Ryan VienneauAre they able to set-up your credit cards as additional "accounts payable"?    

The only additional thing we do is send them to collections.