Earning interest outside a retirement plan sucks. 

Quote from @Keith Angell: Hello everyone,I’m looking for some advice as I plan the next steps in my real estate investments.

Originally from Africa, I’ve embraced new opportunities to build a better future, and real estate is at the core of my financial freedom plan. 

I'm finishing up an ADU garage conversion in Downtown Sac and plan to do medium term rental for travel nurses.

My plan is to start house hacking.

I was told by another investor that I will run into a seasoning problem, but i don't see how if i don't plan on refinancing.

It may also make it easier for your estate planning attorney to line up ownership with your estate plan, assuming a CA-estate plan if a CA resident.

I have some upcoming repairs needed that outweigh the Homestead Exemption and plan to make my primary home a long term rental in the next 7 years but the repairs can’t wait.  

I do find it humorous though that thinks the recent bought of high inflation was caused by the current administration. 

Quote from @Ven Bud: After hearing to lot of bp episodes on negative cash flow, I have a question.I am currently living in my primary residence and planning to purchase an investment property, and obviously it is going to be a negative cashflow (bay area), but I am of the opinion that as long as the rent on the investment property is atleast going to be greater than my current primary residence mortgage it can still considered as positive cash flow investment.The investment property is going to be in a much better location (for office commute, bay area proximity) than my primary residence.