@John Mason, lenders will look at your credit history, income and assets held to determine your eligibility for a 15% down payment conventional loan.

My long term goal at the end of my investment journey is to enjoy the journey, play the long game, and  have enough income from my investments that keeps my family well and financially independent.

First ask the utility how far the notes go back on your account or for your address.

It served as my primary residence & rental income for a few years.

Can I then treat my property as an investment/income property?   

It served as my primary residence & rental income for a few years.

You should do a careful financial analysis to see how much rental income you might make compared to the expenses and potential challenges of being a landlord in California.

It served as my primary residence & rental income for a few years.

Talk to a lawyer, he was wrong on both account and we pointed that out.

Median income is 117k, Median home price is $370kIn Palo Alto,CA, median income is 178k, Median home price is $3,200,000Cleveland median income is 92k btw...So Milwaukee still has long appreciation play that can still be supported by people income, what I don't understand is whether the statistic is accurate, I thought the income in that zip code is only 50k.