@Chris Kay beleive you can do DSR loans without a job as they qualify the property, not the borrower.You'd still need 20-25% down though.That's where you have a decision:- Pay down the mortgage, setting yourself up for a future refinance to free up your VA Entitlement.OR- Save up for your next acquisition.Only YOU can make that decision as you have to be comfortable with the increasing debt-load risk and the additional time to manage everything.

The article also fails to mention that overall transaction costs can actually be higher in countries where commissions are lower because the agent plays a different role, and due to needing to pay a lawyer for paperwork that agents complete here as part of their job (called a solicitor in Britain) plus VAT taxes and other closing costs need to factored in on top of the sales commissions, which we don't have here, overall costs can actually be higher even if commissions are lower. 

I have a job with steady income but I want to stop working by the age of 27.

I like the idea of diversification of my investments and I love the strategy BAM has articulated: the focus on properties with below market rents in growing areas with jobs and good schools. 

https://www.remax-centralamerica.com/costa-rica/ojochal/inco...Again, this link does a good job of showing and describing what I’m working with… I am not selling anything directly to anyone here.

I would love to have a support of a group who knows what they are doing as I plunge ahead in my real estate investor dreams. 

Man you are doing a great job! 

It is exhausting to live in a job site and feel like you are bleeding cash, but we've done a couple of times and still think it's a good idea.

My own personal experience is that a huge stressor has been lifted since I've stopped spending hours looking for and analyzing deals and my index funds/stocks are doing well (just hope it doesn't decline in value when retire from my W2 job). 

Indeed, non-EU purchasers only represent a few percent of the houses bought in the country and the properties they generally buy are not affordable properties so that tax wouldn't solve anything and would bring less capital and less jobs to Spain.