Also, if we did want to move into a primary residence to build equity in an area we like within the next 3-5 years, our concern is that a bank would view the debt to income ratio as unfavorable 2) Buying a SFR in the rapidly appreciating area we enjoy here in AZ, rent it out for a few years to build some equity, and then move inOur thought here is at least our cash would be 'working' for us while we still had virtually no living expenses in our rental3) Buy a SFR in the area while applying our unique version of the BRRRR method due to our circumstancesIf we closed on a property that needed a bit of work, rehabbed it lightly, and refinanced, we're not sure if it would make more sense to rent it out after that, or just move out of our current lease and enter the property.

Chill man........San Francisco is it's own unique wild animal when it comes to tenant rights.

Unique market to capture but once the girlfriend and I live together she's not going to want a ton of roommates haha

I’ve got a fairly unique situation, I guess everyone does to some extent!

If she passes before you've made complete repayment, you can just split that payment between heirs.Be careful, nothing brings out the worst in people like inheritance.

We're also pretty unique in that we offer numerous equity opportunities (NASDAQ: EXPI) and the ability to earn a significant residual income via our revenue sharing program.   

There are absolutely fantastic properties, on and off market, catering to a unique wide range of resident demographics.

I don't necessarily recommend down payment assistance programs because the higher interest rate makes your monthly payment higher so it's tougher to cash flow and many require you to stay in the property for several years or repay the assistance.

I assume you are buying it for positive cash flow, so you could calculate how many months of cash flow it will take to repay the 5% difference and not having to pay insurance, which will result in that much more cash flow.

They come with their own unique issues, but it is an option.